Private Banking Solution to Release £1.9 Million Across Two Residential Properties

• £1.9 million released across two residential properties to fund a commercial acquisition
• Private banking solution structured around multi-jurisdictional income and corporate holdings
• Time-sensitive transaction requiring coordinated legal, valuation, insurance, and portfolio-level LTV management

The client, based in the Gulf with multi-jurisdictional income streams, owned a substantial residential property in Surrey valued at approximately £2.4 million, alongside a London flat valued at circa £850,000. The client required capital to fund the acquisition of a UK commercial asset, bringing total borrowing to just over £1.9 million across both properties.

This was a strategic balance sheet exercise rather than a conventional remortgage. The client’s primary objective was to utilise existing residential equity to fund the commercial acquisition, avoiding the need for standalone commercial finance. The structure also enabled the client to retain flexibility across the wider property portfolio while maintaining ownership of both residential assets.

The primary challenge was coordination. Timing was important, as completion of the commercial acquisition depended on the successful release of equity. Aggregate exposure and portfolio-level loan-to-value considerations required careful modelling across both properties, while cross-border income and corporate structures had to be clearly presented to avoid delays.

Traditional lenders were unable to accommodate the complexity of the client’s balance sheet and cross-border financial profile within the required timeframe.

Enness structured a coordinated private banking solution across both residential properties, enabling the client to release capital while maintaining portfolio-level loan-to-value thresholds.

The facilities comprised:

• First facility: circa £1,360,000, interest-only over 10 years
• Second facility: circa £578,000, interest-only over 10 years

Legal, valuation, title, and insurance processes were managed in parallel to help minimise execution risk and maintain alignment throughout the transaction.

Equity was released, enabling the commercial acquisition to proceed without requiring standalone commercial finance, asset disposal, or reactive refinancing.

The strategy preserved flexibility and control across both residential assets while providing an efficient route to funding the acquisition.

Important:
With interest-only borrowing, monthly payments cover interest only and do not reduce the capital balance. Capital repayment remains due at the end of the mortgage term unless repaid earlier or through a suitable repayment strategy.

Regulatory Notice:
Where clients are resident outside the UK or transactions involve cross-border income and international structures, certain lending arrangements may fall outside standard UK FCA regulatory scope. Regulatory treatment will depend on the borrower’s circumstances and the structure of the transaction.

Disclaimer:
This case study is for illustrative purposes only and does not constitute financial, legal, tax, or investment advice. Finance is subject to status, underwriting, asset suitability, jurisdiction, and lender criteria.

Risk Warning:
Your property may be repossessed if you do not keep up repayments on your mortgage or other borrowing secured against it.