- Property Value: Circa £4.6M
- Loan-to-Value (LTV): 80%
In this case, Enness was approached by a client who splits their time between the US and the UK, where their family is based. The client was looking to purchase a UK property valued at approximately £4.6M and required a flexible mortgage solution that could accommodate their cross-border lifestyle and financial arrangements.
The client required a bespoke structure that balanced monthly affordability with longer-term flexibility. Given the international nature of their circumstances, it was important to identify a lender comfortable assessing the client's wider financial position and income arrangements across jurisdictions.
Enness structured the mortgage across four separate parts, creating a seven-figure facility at 80% loan-to-value against the property. The structure incorporated both fixed and variable rates, alongside capital repayment and interest-only elements.
This multi-part approach allowed the client to balance stability and flexibility across the facility. The combination of fixed and tracker rates provided certainty across a significant proportion of the borrowing, while the mix of repayment structures helped manage monthly cash flow and accommodate the client's wider financial circumstances.
By taking a holistic approach to the client's cross-border financial position, Enness was able to identify and negotiate a mortgage structure tailored to their requirements. Our experience arranging international mortgage solutions, combined with strong relationships across the lending market, enabled the transaction to progress efficiently.
This case highlights how a multi-part mortgage can provide greater flexibility for high-net-worth clients purchasing UK property while managing international income, assets and commitments. Rather than relying on a single mortgage structure, combining different rates and repayment types can allow the overall facility to be tailored more closely to the client's objectives.
If you are considering a high-value UK property purchase and require a mortgage structured around complex or international financial circumstances, speak to a mortgage specialist to explore your options.
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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.
