- Circa €5 million high-leverage mortgage for a main residence
- Structured for a non-income-generating European client
- Property security and portfolio pledge used to support affordability
A European business owner approached Enness Global to arrange long-term financing for a new primary residence in France. The client had successfully exited a business within the previous five years and held substantial liquid assets but was not drawing regular income at the time of application.
The objective was to secure a high-leverage financing structure for capital allocation and wealth planning purposes, while ensuring the structure aligned with relevant local regulatory requirements. As the property was being purchased as a main residence, the transaction was subject to French consumer protection rules and debt serviceability assessments, which often place significant emphasis on recurring income rather than overall net worth.
This created a key challenge. Despite the client’s strong balance sheet, traditional lenders were reluctant to proceed due to the lack of ongoing income. The transaction therefore required a lender experienced in cross-border private banking and regulated lending, capable of assessing wealth, liquidity, and asset strength alongside conventional affordability metrics.
Enness Global identified an international private bank experienced in complex European lending structures. The solution combined security over the property with a pledge over the client’s liquid investment portfolio. This enabled the lender to support the circa €5 million borrowing requirement without requiring a substantial additional capital contribution, subject to lender criteria and regulatory requirements.
The transaction completed within approximately 12 weeks, allowing the client to secure the property while maintaining liquidity and supporting long-term wealth planning.
This case study demonstrates Enness Global’s experience in structuring cross-border private banking solutions for clients with complex wealth profiles, non-traditional income structures, and international financing requirements.
Regulatory Notice:
Finance secured against overseas property, including property in France, and lending involving securities-backed structures or portfolio pledges may fall outside UK FCA regulation. Regulatory protections available for UK-regulated mortgage products may not apply.
Disclaimer:
This case study is for illustrative purposes only and does not constitute financial, legal, tax, investment, or currency advice. Finance is subject to status, underwriting, asset suitability, jurisdiction, and lender criteria. Borrowing against property carries risk, and failure to meet repayment obligations may put secured assets, including property, at risk. Where investment portfolios are pledged as security, market volatility may affect collateral values and additional security or partial repayment may be required. Where borrowing, income, assets, or liabilities involve different currencies, exchange rate movements may increase costs or affect affordability.
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.
