Specialist Mortgage Brokers

A borrower needs a specialist mortgage broker when the case does not fit an automated affordability model. The usual reasons: income paid as bonus, dividends, carried interest or partnership profit; wealth held in investments; a loan of £1 million or more; property held in a trust; or income outside the UK.

High street models struggle when income is irregular or the loan is large; declines on criteria are common even for wealthy borrowers. A private bank may lend on the wider balance sheet, sometimes on condition that assets move to the bank. A specialist broker sets out both routes first.

Enness Global arranges residential, buy-to-let, private bank and international mortgages for high net worth borrowers, and each route has its own page. By size: large mortgages and, above £10 million, high value mortgages. By income: complex mortgages. By lender: private bank mortgages. By residency: UK mortgages for international borrowers and foreign currency mortgages. For investors: buy-to-let mortgages. For capital raising: remortgages. For property abroad: international mortgages.

A specialist mortgage broker presents complex income as a documented pattern rather than a single figure: what the borrower earned over two or three years, in what form and how reliably. That means accounts, tax computations, bonus and dividend history and trust statements.

Lenders differ in what they count. Some count all of a two-year bonus record; others count part. Some assess retained profit; many exclude it. The broker knows those positions before submission and packages the evidence in the order that lender's underwriter expects.

Yes. A specialist mortgage broker can arrange a UK mortgage for a non-resident foreign national, a British expat or a borrower paid in another currency. A number of private banks, international banks and specialist lenders state in their criteria that they consider these borrowers, each with its own residency and currency rules.

Lenders usually apply a haircut to foreign currency income before affordability is assessed. Source-of-funds and identity checks on overseas wealth take longer than UK borrowers expect, so the adviser lists the documents at the first conversation. Changes in the exchange rate may increase the sterling equivalent of your debt.

Yes, where the decline was on criteria rather than on credit. Most declines for wealthy borrowers happen because the case did not fit the lender's model. A specialist mortgage broker asks for the decline reason first, because it rules out a route.

A decline elsewhere is not an approval at Enness Global. In Islay Robinson's words: "One bank saying no is usually a particular criteria or policy point, and those criteria and policies are different lender to lender. Being refused by one lender is not an indication that you are uncreditworthy or that you will be unable to get a mortgage."

A specialist mortgage is run in six stages by a named adviser. First conversation: the adviser forms a view on whether the case is doable, which route fits and whether your date is realistic; the fee is agreed in writing. Plan and route: the lender type is chosen and the evidence list issued. Submission: the case is packaged to the lender's own standard and sent; a weak submission is the largest single cause of delay.

Valuation and underwriting: the lender's questions are answered and the valuation read. Offer: conditions and expiry recorded, your solicitor briefed. Completion: funds released, or the reason for a moved date recorded. Your adviser chases the lender, valuer and solicitor, not you.

Of the 116 lenders whose residential criteria Enness Global tracks from published sources, 41 (around a third) state that they will consider complex income (Enness Lender Database, September 2026). Enness Global also places cases with lenders whose appetite it has confirmed directly. Terms depend on status, valuation and lender criteria.

"Each lender has a different risk profile and policy, reads certain pieces of information in different ways, and that gives different outcomes. Each application has to be tailored to specifically how that lender wants to write mortgage business."

Islay Robinson, CEO and Founder, Enness Global.

See his leadership page and islayrobinson.co.uk.

There is ever increasing creativity in the specialist lending market. Given the number of lenders competing for business, we are often seeing banks find new ways to offer mortgages: rolled-up interest, monetising a particular asset, a higher loan to income ratio, a different assessment of expenses. We are also seeing signs of easing in mortgage regulation around loan to value and loan to income. There is a real dynamism in specialist mortgages in the UK. The mistake I still see, including from other brokers, is presenting the same case the same way to multiple lenders, as of September 2026.

Completed case. Client type: a UK-based high net worth borrower. Situation: high borrowing on a prime residential purchase, preserving capital for investment. Property: valued at several million pounds. Facility: circa £4.5 million at approximately 90 per cent loan-to-value. Structure: interest-only, split across multiple lending tranches, repayment strategy agreed with the lender from the outset. Lender type: private bank. Dates: not held on the published record.

What could have gone differently: a low valuation would have re-sized the loan. Published in full at £4.5M mortgage at 90% LTV for a prime residential property purchase.

A named adviser at Enness Global runs your case from the first conversation to completion and is your single point of contact. On this page that adviser is Islay Robinson, CEO and Founder, Enness Global (Islay Robinson). Your adviser plans the route with you, prepares the submission to the lender's standard, answers the lender's questions, and holds the timeline across the lender, the valuer and your solicitor. You do not chase any of them.

You will hear from your adviser at each stage named above, and immediately if a date moves or a lender asks for something that changes the plan. If you are not hearing from us, tell us: call +44 (0)203 758 9393 or email info@enness.co.uk.

If something goes wrong, tell your adviser first. If you are not satisfied with the response, you can raise a complaint with Enness Global under our complaints procedure.

Enness Global is a broker, not a lender. Your home may be repossessed if you do not keep up repayments on your mortgage.