Enness Global Mortgages
  • 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
  • Lifestyle
  • About Us
    • Overview
    • Testimonials
    • Careers
  • Meet The Team
  • Contact

+44 (0)203 758 9393

  • 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
  • Lifestyle
  • About Us
    • Overview
    • Testimonials
    • Careers
  • Meet The Team
  • Contact

Monaco Mortgage Specialist

Get In Touch

Monaco, officially the principality of Monaco, is a sovereign city-state located on the French Riviera. Often shrouded in mystery, the Monaco lending market is viewed as complex by many on the inside and outside. The Monaco mortgage market is unique; everything is negotiable from interest rates to assets under management, from loan structure to charges. However, to secure the best Monaco mortgages you need to have access to the wide range of commercial and private banking groups.

Monaco Mortgage Experts

We have an office in the heart of the Monaco banking and finance sector where we are able to utilise our experience and contacts to the full. Aside from the unique characteristics of the Monaco financial services sector, there are further considerations such as the language, etiquette and principles. Here at Enness, we have spent many years researching the Monaco market, building our contacts and constantly updating our knowledge base. This has opened many new doors and opportunities to create an array of bespoke mortgage deals with private banking groups.

Monaco property market

The Monaco property market has a reputation as the world’s premier home for high net worth individuals. The stunning views over the coast, the relaxing Mediterranean climate and a favourable tax system have attracted international investors and business people from around the world. The insatiable appetite for finance in Monaco is well known although for some of the complex financial arrangements can prove challenging.

When looking to acquire property in Monaco you will find that $1 million buys you just 15 m² of prime real estate. There is a cost to living the high life in Monaco, but the glitz and glamour of Monte Carlo and its famous Carré d'Or together with the beautiful beaches of Larvotto make it all worthwhile. The Monaco real estate market is extremely liquid, fast-moving with deals often concluded in just a couple of weeks. This proactive attitude fits perfectly with our Monaco financial services team and our intimate knowledge of local property market intricacies.

Securing a mortgage in Monaco

We are specialists in HNWI bespoke mortgage arrangements and this fits perfectly with the Monaco mortgage market. There are many unique characteristics of the Monaco financial sector such as the following lending criteria:-

  • On properties valued up to €5 million, it is possible to arrange 85% finance with no assets under management
  • With as little as €1 million pledged under an asset management arrangement, it is possible to fully finance a €5 million property acquisition
  • Where finance requirements exceed €5 million there is great flexibility with assets under management requirements of between 20% and 50% of the loan value
  • For outright purchase, refinance and equity release, interest-only mortgages are available with a term of between five and seven years
  • Capital and interest repayment mortgages can often exceed 20 years in length
  • The Monaco lending market facilitates all currencies
  • Hybrid financing instruments taking in the fixed-rate, variable-rate, tracker, capped and more flexibility are readily available

It is quite often a case of who you know, not what you know when it comes to arranging finance in Monaco. Reputations open doors, knowledge secures finance and with lending often time-critical, we are experienced hands in closing the deal.

Best Monaco Mortgage Rates

Here at Enness, we have built up a multilingual, multitalented and extremely well-connected Monaco financial services team. We can utilise your worldwide assets as collateral, use your cash flow to minimise interest rates and deliver bespoke Monaco mortgage deals in an extremely time-efficient manner. Our clients are able to reap the benefits of our experience with both commercial and private banks, together with our independent status. Whether you are looking at a relatively traditional mortgage arrangement or one involving overseas assets, trusts and companies, we can structure a deal around you. Why not give us a call today for a no-obligation chat with our experts who will advise you of the options available for your specific situation.

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

  • Case Studies
  • Articles
View All
French holiday home mortgage for British expats in Monaco
12th April 2017
French holiday home mortgage for British expats in Monaco
£6.5million London townhouse purchase for Monaco-based expat
20th December 2017
£6.5million London townhouse purchase for Monaco-based expat
Monaco property refinance for UK investor
6th January 2018
Monaco property refinance for UK investor
Bridging loan on €5.3million Monaco property
19th July 2018
Bridging loan on €5.3million Monaco property
Development exit bridge for Monaco resident on London new build
31st October 2018
Development exit bridge for Monaco resident on London new build
€6.6million refinance on Cannes property for British expat in Monaco
15th November 2018
€6.6million refinance on Cannes property for British expat in Monaco
View All
Some of the lesser known forces in action on Monaco house prices
26th January 2017
Some of the lesser known forces in action on Monaco house prices
Yacht finance and the Monaco Yacht show
1st September 2017
Yacht finance and the Monaco Yacht show
investing in Monaco
6th May 2018
5 Steps to follow before investing in Monaco
Property of the month: ‘Belle Epoque’ commercial offices in Monaco
8th May 2018
Property of the month: ‘Belle Epoque’ commercial offices in Monaco
Enness Exclusive: France and Monaco mortgages without Assets Under Management
7th November 2018
Enness Exclusive: France and Monaco mortgages without Assets Under Management
Mortgage market South of France & Monaco
24th March 2019
Mortgage market South of France & Monaco

Industry News Signup

Keep up to date with all the latest market news and mortgage advice

By clicking “GO” you consent to receiving marketing communication from the Enness Group

Related Solutions

High Value French Mortgages High Value French Mortgages
UK mortgages for foreign nationals and non-residents UK mortgages for foreign nationals and non-residents
Mortgages in Switzerland Mortgages in Switzerland
Mortgages in Jersey and Guernsey Mortgages in Jersey and Guernsey
Balearic Islands Mortgages - Ibiza and Mallorca Balearic Islands Mortgages - Ibiza and Mallorca
New York Mortgages Mortgages in New York For Non-Residents
Bahamas Mortgages Bahamas Mortgages
Italian Mortgages Italian Mortgages
St. Barts Mortgages St. Barts Mortgages
French Mortgages for Non Residents French Mortgages for Non Residents
Show More
Show More

Arrange a time to speak with an Enness broker

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.

EnnessGlobal
[email protected] +44 (0)203 758 9393
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

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

Industry News Signup

Keep up to date with all the latest market news and mortgage advice

By clicking “GO” you consent to receiving marketing communication from the Enness Group

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.

See More

© Enness Global Mortgages

  • Eness Info
  • Privacy Policy
  • Glossary