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Releasing Equity from High Value Properties

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Historically there has always been a demand for equity release schemes involving high-value properties and high net worth clients. The opportunity to release capital from a high-value property and invest elsewhere with a higher rate of return makes sense. Equity release schemes have become even more popular in recent times due to the stagnant London property market where recent challenges such as Brexit have reduced overall investment returns.

Raising capital for investment

In many ways, the current environment is particularly attractive for those looking to release equity from high-value properties. Interest rates are at historic lows and while property markets are performing better than many had expected returns have been relatively low of late. In the UK, and overseas, we have seen the changing face of regional property markets which now offer the potential for double-digit rental yields. In this scenario, it makes sense to consider switching equity in a low performing investment to that with more potential in the short, medium and longer-term.

Raising capital for redevelopment

After the recent change in UK stamp duty regulations, many of our clients have seen a significant increase in property purchase costs. Taking this into consideration, as well as relatively low-interest rates, for many the opportunity to redevelop their existing property/family home makes financial sense. If we take a ball part renovation cost of £100,000 which was to result in a £200,000 uplift in the value of the property, this makes perfect investment sense. As an alternative to moving home, the instant return on capital invested and the opportunities to remortgage in the future on the higher value are very attractive.

Equity release criteria

As any equity released from your property would still need to be paid back in the form of a mortgage/short-term loan, you will still need to adhere to various lending criteria. Historically, retail banks tend to have a more rigid approach to equity release transactions while private banks/niche lenders are more flexible. That is not to suggest that retail banks are not competitive, as many will be for straightforward transactions, but from more complicated issues the use of private banks is often more advantageous.

We act for a number of high net worth individuals who can have assets spread right across the world and various forms of income, often in foreign currencies. Very often high street retail banks will refuse to include these assets in affordability calculations which can have a big impact on client success rates. The situation with private banks and niche lenders tend to be very different, they are more appreciative of overseas assets, multiple income streams and the potential for the individuals going forward. While high street banks tend to have rigid formulas and algorithms deciding the outcome of an equity release application, private banks and niche lenders are more focused on the personal approach and additional services they may be able to offer.

How can Enness help with raising capital?

We have been operating in the equity release market for some time now and fully understand the current trends and what these mean to our clients. As interest rates are currently towards historic lows there is huge liquidity in the lending market where there is potential to significantly enhance returns. As a consequence, if the figures stack up with regards to an equity release or there is further collateral available then very often it is a straightforward decision for lenders. Where the situation may be a little more complicated with worldwide assets and income streams, private banks would be our first port of call. We know specialists in this area, the information you require and very often our recommendation will go a long way towards securing funds.

In this environment of low-interest rates, there may well be a temptation to sit on your hands and take a passive approach to investments. In reality, there is relatively low finance readily available. As we touched on above, even a renovation or extension of your property may be worth considering with the potential for an immediate uplift in capital value.

Maximising your asset in this low-interest-rate environment is perhaps easier said than done. However, our brokers have experience right across the board, contacts in both the high street and private banking sectors and the ability to structure funding requirements specifically around your situation. Why not give us a call today for a no-obligation chat about your situation, your plans and we will present you with the options available.

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
Business equity release to aid company growth
30th March 2017
Business equity release to aid company growth
Remortgage and equity release
24th April 2017
Remortgage and equity release
Limited company property portfolio equity release
27th May 2017
Limited company property portfolio equity release
Refinance for equity release across a client’s £90million property portfolio
22nd November 2018
Refinance for equity release across a client’s £90million property portfolio
£2.5M equity release for successful business expansion
13th February 2019
£2.5M equity release for successful business expansion
Equity release for British Expat purchasing in the US
7th March 2019
Equity release for British Expat purchasing in the US
View All
High loan to value mortgages rise… Pre-election hit to property market overplayed
6th May 2015
Pre-election hit to property market overplayed...High loan to value mortgages rise
Equity release mortgages for expats: how to capitalise on your property abroad
25th November 2015
Equity release mortgages for expats: how to capitalise on your property abroad
Equity release: what you need to know
10th November 2016
Equity release: what you need to know
Enness partners with specialist to assist clients in releasing profits from SPVs
6th January 2017
Enness partners with specialist to assist clients in releasing profits from SPVs
Product of the week: high loan to value mortgage with bullet repayments
17th January 2018
High loan to value mortgage with bullet repayments
Professional clients offered high value mortgages by mutual lender
23rd November 2012
Professional clients offered high value mortgages by mutual lender

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Mortgages
  • High Value Mortgages
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Insights
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  • Our Best Mortgage Products - February Edition
About Us
  • Overview
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  • 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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