Fast Equity Release For Ultra-High-Net-Worth Middle Eastern Client

• Client: UAE National and Resident
• Property: UK buy-to-let property valued at circa £17 million
• Loan: £10 million+
• LTV: 60%
• Product: First-charge bridging loan with a 12-month term

Enness was approached by a UAE national and resident looking to refinance an existing UK buy-to-let property and release equity to invest in the redevelopment of a hotel in Central Europe. The client had a complex international financial profile, with multiple income sources and significant assets held across several jurisdictions. Given the size and complexity of the transaction, they required a lender capable of considering their wider financial position and working to a demanding completion timeframe.

The property was valued at approximately £17 million, and the client required more than £10 million of finance. The primary challenge was the tight deadline. The client also had a significant proportion of their wealth committed to long-term investment products carrying substantial early exit charges, alongside a number of high-value international property transactions. This meant that although the client had considerable wealth, their immediately available liquidity was limited.

The client therefore needed to release equity from the UK property without disrupting their existing investments. The proceeds would provide the liquidity required to invest personally in the Central European hotel redevelopment, making speed and flexibility particularly important to the financing structure.

Enness reviewed the client’s wider financial position and identified a specialist lender capable of considering the combination of the client’s international assets, multiple income sources and the high value of the UK property. The transaction was structured around the client’s immediate liquidity requirements and the proposed use of the released capital.

Enness successfully negotiated a 60% LTV first-charge bridging loan of more than £10 million against the UK property. The facility was arranged within approximately three weeks, allowing the client to meet the required timeframe and proceed with the planned hotel investment in Central Europe. The loan was structured with a 12-month term, providing the client with a defined period in which to progress their investment plans and arrange the eventual repayment of the facility.

The transaction demonstrates the importance of specialist lender selection when arranging significant finance for ultra-high-net-worth borrowers with international assets and complex liquidity requirements. A client’s overall wealth does not necessarily mean that capital can be accessed quickly, particularly where assets are held across multiple jurisdictions or subject to existing investment commitments.

Enness works with international and Middle Eastern clients seeking specialist UK property finance, including large-scale equity release and bridging facilities. With access to a network of more than 500 lenders and a presence in Dubai, Enness can assess complex international profiles and explore appropriate financing structures. If you or your clients are based in the Middle East and require UK property finance, speak to a mortgage specialist.

Important: Bridging finance is short-term borrowing and requires a credible and achievable repayment or exit strategy. Where repayment depends on refinancing, the sale of property or another future source of funds, delays, changes in property values, lender criteria or market conditions may affect the anticipated exit and the overall cost of borrowing.

Read the UK version of this case study.