- Client: Gulf-based high-net-worth client with multi-jurisdictional income
- Challenge: Releasing equity across two UK residential properties to fund a commercial acquisition while managing cross-border income and portfolio-level lending
- Loan Amount: Circa £1.9 million across two interest-only mortgage facilities
A Gulf-based high-net-worth client approached Enness Global seeking to release equity from two UK residential properties to fund the acquisition of a commercial asset. The client owned a residential property in Surrey valued at approximately £2.4 million together with a London apartment valued at around £850,000. Rather than arranging standalone commercial finance, the client wanted to utilise existing residential equity while maintaining ownership of both properties and preserving wider portfolio flexibility.
The transaction presented several complexities. The funding needed to be completed within a defined timeframe to support the commercial acquisition, requiring close coordination between multiple parties. The client's cross-border income streams and corporate interests also required a lender capable of taking a holistic view of their financial position, while aggregate exposure and portfolio-level loan-to-value ratios needed careful assessment across both residential assets. These factors significantly reduced the pool of lenders able to accommodate the transaction.
Drawing on established private banking relationships, Enness Global identified a lender able to structure a coordinated solution across both residential properties. The proposed facilities comprised approximately £1.36 million secured against the Surrey property and approximately £578,000 secured against the London apartment, both arranged on an interest-only basis over a 10-year term. Legal, valuation, title and insurance processes were managed in parallel to help maintain momentum and reduce execution risk throughout the transaction.
The proposed structure demonstrated how residential equity can be used strategically to support commercial investment objectives without requiring separate commercial borrowing or the disposal of existing assets. By coordinating the transaction across multiple properties and carefully managing portfolio-level lending considerations, Enness Global delivered a tailored financing solution aligned with the client's wider wealth strategy.
Disclaimer
This case study is provided for illustrative purposes only and does not constitute financial, legal, tax or investment advice. The client scenario has been anonymised and certain details have been generalised to protect confidentiality. Finance is subject to status, underwriting, valuation, asset suitability, jurisdiction and lender criteria. Loan amounts, loan-to-value ratios and lending structures are indicative only and may vary depending on individual circumstances and market conditions. Enness Global acts as a credit broker and not as a lender.
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