What is a Specialist Mortgage?
Our brokers can access the specialist mortgage market through their knowledge of lenders. They leverage relationships with key stakeholders within the lenders to create specialist mortgage solutions for their clients.
Enness prides itself in delivering a highly exclusive, discreet and hyper-personalised service, through its international office locations which include; London, Monaco, Dubai, Jersey and Geneva.
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London & UK Mortgages
The UK, including London, is one of the world’s most dynamic markets for high- value property. Through our Mayfair offices we help clients access the best tailored mortgage solutions for their primary or additional residences and investments
Million Pound Mortgages
We are renowned as the ‘go to’ mortgage broker of the wealthy and high-net- worth. Through our excellent network we can access the full market of offers to source the best solutions tailored for our client’s needs and circumstances.
Complex Mortgages
Enness is proud of its ability to overcome complexity to help high-net-worth clients access the high-value lending they need. No matter where our clients are based, their nationality or the nature of their income sources, we focus on finding the best solution.
International Mortgages
No matter where clients are based, their nationality or where they want to buy property, Enness helps high-net-worth individuals access the very best international mortgage finance. Including high-value foreign currency mortgages.
Private Bank Mortgages
Enness also specialises in securing high- value mortgages via its extensive and exclusively curated network of global private banks. Providing its clients access to tailored lending that may otherwise be unreachable or undetectable.
Large Buy-to Let Mortgages
Securing the most competitive large buy-to-let mortgage can be challenging, especially when navigating the market independently. Our hyper-personalised service can source the best financing solution for clients, even if the property being financed is yet to let.
Specialist Mortgage FAQs
What are Specialised Lenders?
Compared to typical lenders, specialist lenders provide a wider selection of cutting-edge mortgage products, enabling them to accommodate a variety of financial needs and unusual real estate projects.
Speciality lenders are more accommodating than main street banks, which typically have tight lending requirements. They can help people in more complicated financial circumstances, like those with erratic income, independent contractors, or clientele from other countries, get the funding they require.
These lenders are also great for financing high-value properties, such as luxury residences or foreign investments, or high-value mortgages. Through individualised case evaluation we are able to broker customised solutions that are not usually offered by traditional banks.
Enness can assist you in navigating this environment by sourcing the appropriate specialised lenders and securing the finest mortgage for your particular requirements. We ensure every detail is taken care of, so you can focus on your property goals.
Get in TouchHow Much Mortgage Can I Get?
The amount you can borrow for a mortgage depends on things like your income, monthly expenses and credit history. Most lenders offer between 4 and 5 times your annual income, though this can vary based on your financial situation.
Specialist lenders may take a more flexible approach, especially if you have a complex income from bonuses, investments or earnings abroad.
At Enness, we can help you understand how much you can borrow and find the right lender to offer the best mortgage for your needs, get in touch today!
Why use a broker over your bank?
Brokers review your overall financial position to understand requirements and make a specific recommendation to meet your requirements.
Speaking to just your bank doesn’t give you access to the whole market and does not guarantee that you will get the best possible rate or successfully close your mortgage application.
Why do mortgage rates go up or down?
This is in line with other costs of market rates or the cost of funds in which banks can borrow money. Essentially, the cost of which banks are borrowing money vs lender appetite.
How do I know if I'm being offered the best mortgage available to me?
Enness is an independent mortgage broker. As such, your broker can approach any lender in the market to negotiate a deal for you, and your broker will be working exclusively in your best interests.
Also, Enness is not constrained by any incentives to collaborate with or provide products exclusively from specific lenders, a situation that may occur with other mortgage brokers.
What banks do mortgages for overseas properties?
There are two options for this:
- Regional/local bank providers do more straightforward local transactions for domestic clients, some of whom have an appetite for international clients.
- Big international private banks do larger, more complicated European and International overseas properties.
Is it possible to purchase a property in the UK under a Trust/Offshore structure?
Yes, it is possible, however, it is certainly more complex than buying in your personal name. We work with a number of private banks & specialist lenders who can consider this kind of ownership structure. Nevertheless, additional information or justification may be required, and meeting certain criteria may be necessary to become a client of the bank.
Constantly kept up to date
FR - Ms Leighton, Sep 23I have used Enness in the past and did so with our most recent purchase. It was not the easiest of mortgages and yet the team managed to make it less stressful than it could have been. We were constantly kept up to date with what was happening, even receiving a call from our broker whilst she was on holiday!
Achieved exactly what was required
UK - Mr Ashworth, Apr 23Ennes took on my case to raise two sizeable mortgages simultaneously despite significant challenges on conventional bank lending terms. They achieved exactly what was required and communicated very well throughout the process.
Enness is now quoting my life cover
CH - Mr Chalker, Mar 23Enness was very helpful and acted swiftly in securing a mortgage agreement in principle and then turned the mortgage from survey to offer in a couple of weeks. My previous broker couldn’t even get me an agreement in principle!! You get what you pay for.
Massive thanks to Enness global for an excellent service
UK - Lola, Jan 23Enness Global ensured I got a mortgage offer that suited my circumstances. They were professional, efficient and I really appreciated Michael liaising with my solicitor and ensuring that my solicitor did not delay any further.
My client was delighted
UK - The Sovereign Group, Dec 22Enness is reliable and trustworthy and they deliver a first-class and highly professional service. The constant dialogue from an in-house expert was invaluable as they obtained a competitive mortgage for my client, enabling them to purchase their main residence.
Exceptional customer service
Global - Mr James, Sep 22Paige provided exceptional customer service. We didn’t have a standard salary income but she was able to source us an attractive mortgage option. Highly responsive and personable, we would recommend Paige and the Enness team. This is now our third mortgage sourced through Paige and the Enness team.
Mortgage Case Studies
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Read MORE Location: London, UK
Value: £4,930,000