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International Bridging Finance - Overseas Bridging Finance

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Overseas Bridging Finance Experts

The use of international bridging finance is very different in Europe compared to the UK. In the UK such funding is often seen as a means of financing long term property investment as opposed to simple bridging finance awaiting settlement of a house sale.

Bridging finance in the UK is regularly used to fund renovation/redevelopment allowing the refinancing of property assets after a potentially significant uplift in value. We have a number of UK clients, in particular, looking to use their international property portfolios as collateral when negotiating international bridging finance.

Restrictions on international bridging finance

In many ways, the UK market is more liberal and outward thinking than any other financial market in the world. If you require finance, and you have security, there is not much which is not up for negotiation. The European market is slightly different with a number of subtle yet significant anomalies. Did you know that:-

  • German lenders cannot charge more than twice the standard interest rate on loans
  • Spanish homes are often passed from family to family and seen as a possession as opposed to an investment
  • Some foreign countries will not accept international mortgage applications based on sterling income streams

So, it will be no surprise to learn that these subtle restrictions in some European markets have reduced overseas competition in the international bridging finance sector. It is also fair to say that the UK international bridging finance sector is one of the most competitive in the world. Mainstream banks and specialist mortgage companies are more than happy to accept the international property as collateral for short-term bridging loans.

Structuring bridging finance

In theory, the structure of a bridging finance arrangement is fairly straightforward. Funds are released at a predetermined interest rate on a short-term basis. In this instance, they are backed by international property assets which more than cover the lenders’ financial exposure. The short term nature of such transactions means relatively short-term exposure to currency movements. However, currency movements are still a risk that cannot be ignored.

There are ways and means of mitigating currency risk, especially for short-term transactions, which will assist in obtaining a more competitive rate of interest. We have significant experience and contacts in this area. As a consequence, we can offer a bespoke service and a holistic approach to a customer’s overall financial well-being.

Different jurisdictions, different laws

We find many people fall into the trap of assuming that laws in foreign countries will reflect those in their homeland. As we touched on above, in relation to financial markets in Germany and Spain, this is not necessarily the case. Therefore, we believe that our bespoke approach to international bridging finance offers protection, encourages competition, and creates a favourable outcome for our customers.

Enness Mortgages has a growing number of overseas offices as we extend our international footprint and influence. We have access to localised legal advice in countries across Europe and around the world. As a consequence of our experience and contacts, we have been able to overcome many legal challenges on behalf of our customers. We have succeeded where many have failed.

If you are looking to use your international property portfolio as collateral for international bridging finance we are confident we can assist. Please feel free to get in touch with our expert brokers now. 

Call us +44 (0) 203 758 9393 or submit your details and a broker will get in touch.

Enness Limited needs the contact information you provide to us to contact you about our products and services. You may unsubscribe from these communications at any time. For information on how to unsubscribe, as well as our privacy practices and commitment to protecting your privacy, please review our Privacy Policy.

Case Studies & Articles

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Gibraltarian Special Purpose Vehicle (SPV) equity release on Spanish property for bridge
15th March 2017
Gibraltarian Special Purpose Vehicle (SPV) equity release on Spanish property for bridge
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1st May 2017
International property refinance on €3,800,000 holiday home in Cannes
£30 million Knightsbridge property refinance
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£30 million Knightsbridge property refinance
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International mortgage for lakeside holiday home
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Bridging loan on €5.3million Monaco property
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31st October 2018
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Mortgages
  • High Value Mortgages
  • Bridging Finance
  • International Mortgages
  • Complex Mortgages
  • Specialist Finance
  • Securities-Backed Financing
  • Mortgage Services for Private Client Advisers
Insights
  • Case Studies
  • Blog
  • Press
  • Guides
  • Video Library
  • Webinars
  • Our Best Mortgage Products - February Edition
About Us
  • Overview
  • Testimonials
  • Careers
  • Meet The Team
  • Contact
  • Covid-19 update

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Important Information

Enness Limited is directly authorised and regulated by the Financial Conduct Authority.
You can check our details on their public register through fca.org.uk using our firms’ reference number 565120. Registered address: 116 Baker Street, London, W1U 6TS. Registered in England and Wales under Company No. 07760090

Enness (Jersey) Limited is an unregulated company registered in Jersey with the company number 127668. Our registered address is Office 17, First Floor, International Finance Centre 5, The Esplanade, St Helier, Jersey, JE2 3BY.

Enness International SARL is registered in Monaco. It is authorised to conduct activities relating to strategy, business development and public relations with regards to projects in connection with the Enness Group. It does not give banking or financial advice and the information contained on this website is not an invitation to buy or sell securities.

Enness Mortgages LLC is incorporated in the International Free Zone Authority in the United Arab Emirates, under Licence number K54351DCS. It is a limited liability company authorised to carry out mortgage consultancy business within International Free Zone Authority in the United Arab Emirates. Registered address: Kidnah, Block A, Plot 4, Fujairah, UAE. 

Enness (Switzerland) GmbH, who’s registered office is located in Feusisberg Switzerland, is authorised to conduct activities in regards to marketing and business development with regards to projects in connection with Enness Group. It does not give banking or financial advice and the information contained on this website is not an invitation to buy or sell securities.

IF YOU ARE CONSIDERING SECURING OTHER DEBTS AGAIN YOUR MAIN HOME, SUCH AS FOR DEBT CONSOLIDATION PURPOSES, PLEASE THINK CAREFULLY ABOUT THIS AND CONSIDER ALL OTHER OPTIONS AVAILABLE TO YOU. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR OTHER DEBTS SECURED ON IT.

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