Key Details:
- Client: UK-based investor
- Challenge: Replacing a short-term liquidity facility while preserving a long-term private investment strategy
- Loan Amount: Circa £2 million interest-only facility at sub-20% loan-to-value against a UK residence valued at approximately £7 million
A UK-based investor approached Enness Global seeking to replace an existing short-term liquidity facility while preserving a long-term investment strategy. The client held a substantial portfolio of private equity and early-stage investments, with capital largely committed across illiquid assets where value remained significant but realisation was expected over a longer timeframe.
The transaction presented several complexities. Although the client had substantial overall wealth, income was derived primarily from capital gains, fund distributions, and structured withdrawals rather than conventional salaried earnings. This made the case difficult to assess using traditional affordability models. In addition, borrowing directly against the underlying private investments was not the preferred solution due to the nature of the assets and the client's broader investment objectives.
Enness Global introduced a private bank experienced in working with high-net-worth clients whose wealth is concentrated in complex investment portfolios. A circa £2 million interest-only facility was arranged at sub-20% loan-to-value, secured against the client's UK residential property. The lender assessed the client's wider balance sheet alongside the security property when considering the application. The facility was structured over a five-year term with no early repayment charges, subject to lender terms and conditions.
The refinance replaced the existing short-term facility with a longer-term funding solution, allowing the client to maintain liquidity while preserving the wider investment strategy. This case demonstrates how specialist private banking solutions can support clients with substantial illiquid wealth where conventional income-based lending may not be appropriate.
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 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.
Risk Warning
Your property may be repossessed if you do not keep up repayments on your mortgage or any debt secured against it.
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.
