- Client: US National
- Requirement: High LTV property finance
- Profile: Substantial investment assets with limited conventional income
- Product: Bespoke interest-only mortgage structure
A US national approached Enness seeking to optimise their property portfolio through a strategic acquisition designed to improve asset efficiency and increase financial flexibility. Although the client had limited conventional income, they held substantial personal wealth, predominantly in investment assets.
The client wanted to maximise the loan-to-value available on the purchase while preserving as much liquidity as possible. This meant finding a lender that could look beyond traditional income-based affordability and consider the client’s wider financial position, including their investment portfolio, liquidity and overall asset strength.
There were two key challenges to overcome. The client’s income profile did not fit neatly within conventional lending criteria, making a standard affordability assessment difficult. In addition, the proposed repayment strategy relied significantly on the client’s investment assets, meaning the lender needed to be comfortable with both the underlying assets and the overall structure of the transaction.
Enness approached lenders capable of taking a more holistic view of the client’s circumstances. Rather than assessing the application solely on traditional earned income, we presented the client’s wider financial position, including their substantial investment holdings and available liquidity.
A bespoke, high loan-to-value financing structure was subsequently arranged using an interest-only mortgage. This structure was designed to preserve liquidity while aligning with the client’s wider wealth strategy. The client’s investment portfolio formed an important part of the lender’s assessment of affordability and the proposed repayment strategy.
By taking the client’s wider asset position into account, Enness was able to structure finance that better reflected their overall financial strength rather than relying solely on conventional income measures. The resulting facility provided greater flexibility around repayments while allowing the client to preserve capital within their investment portfolio.
This case demonstrates how specialist mortgage structuring can support borrowers with unconventional income profiles and substantial asset bases. Where traditional affordability calculations do not fully reflect a client’s financial position, a more holistic approach can help identify lenders willing to consider the broader circumstances.
Enness regularly works with international and high-net-worth clients whose income, assets or repayment strategies fall outside conventional lending criteria. If you have a complex financial profile and are looking to arrange complex mortgage finance, speak to a mortgage specialist to discuss your requirements.
Risk Warning:
Mortgages and other forms of property finance carry risks. Failure to meet repayment obligations could result in enforcement action against the secured property. Where investment assets form part of the wider repayment strategy, their value and liquidity may fluctuate and should be considered carefully when assessing the affordability and suitability of borrowing.
Disclaimer:
This case study is for illustrative purposes only and does not constitute financial, legal, tax or investment advice. Enness does not provide investment advice. Finance is subject to status, underwriting, asset suitability and lender criteria. Terms and availability will vary depending on individual circumstances and the proposed transaction.
Information contained in our case studies is for market and illustrative purposes only. In some cases, these may be made up of multiple cases and are for illustrative purposes only.
Some case studies are made up of enquiries that have come into the business, not all business completes, and the posting of a case study does not represent a completed piece of business.
Property values can fall as well as rise, and you may not get back the amount originally invested. Property investments can be illiquid and may take time to sell. Where borrowing is used, your property may be repossessed if you do not keep up repayments on a mortgage or other loan secured against it.
