Large Mortgage Loans

Enness can provide tailored mortgage solutions for HNW and UHNW UAE citizens/ nationals purchasing property in the UK. We arrange exclusive finance of £1 million plus with no limit, permitting high loan-to-value mortgages, and on some occasions 100% LTV, and any other security where necessary.

We specialise in complex foreign national, expat and non-resident mortgages with flexible finance and wealth documentation for difficult cases. Solutions include interest-only, blended and part-and-part mortgages as well as facilities for more complicated ownership structures, such as trusts, limited companies, foundations, and funds.

You will have direct access to large loan teams, across high street banks, private banks and specialist lenders, with our independent, discreet and responsive service tailored specifically for UAE based investors.

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Getting buy-to-let mortgages on high-value UK properties requires specialist knowledge, and with Enness’ experience in this field, you can be assured you will get the most competitive large mortgage deals on the market.

As opposed to standard buy-to-let mortgages, large mortgages may have more flexible requirements in terms of rental income. Lenders will assess net worth, personal income, and ability to pay interest on the property during void periods over strict stress tests.

We have assisted numerous UAE investors with large buy-to-let investment properties and understand the different and varied lenders specifications for large buy-to-let mortgages including the situations where the property would not have been rented out in advance. We guide you along your journey to obtaining a mortgage with the best rates and terms suitable to your financial profile and investment plans.

The amount of deposit you provide could have an impact on the mortgage rates that are available to you based on large loans. On the whole, the lower the loan-to-value (LTV) ratio, the more competitive the interest rates.

There are other benefits to contributing a larger deposit, such as reduced documentation of income, for some lenders, or may help you qualify more flexibly. 

At Enness, we arrange large mortgages for international buyers, including residents of the UAE who purchase property in the UK and abroad. Whether it's your primary residence in the UK, a holiday home, an investment UK property, in Europe, the Middle East, Asia, or the Americas, we can source the perfect mortgage solution from our global bank panel.

We are a multilingual team, and we understand that UAE buyers have distinct requirements when purchasing international properties. Our international experience provides knowledge, expertise, and security to each of our clients with global assets and investments.

Qualifying for a large mortgage loan goes beyond income, it is a total financial profile based on your net worth, income streams, asset portfolio, property value, and proposal for repayment on the loan. 

At Enness, we arrange and structure large mortgages for various clients that are residents of the UAE. Our mortgage brokers can explain how you qualify for a large mortgage loan, and how to present your financial strengths clearly to the lenders.

Certainly. A lot of high-net-worth individuals in the UAE have complex income frameworks. At Enness, we present your overall finances by demonstrating your total wealth and your ability to repay the loan. This allows lenders to look beyond your basic salary and will enable you to unlock competitive large mortgages tailored to your financial circumstances.

Yes, there are some lenders that specialise in large mortgages that will accept your assets and/or investments as a basis for lending rather than traditional income; which can include using your investment portfolio, property holdings or other high-value assets as security. For UAE residents who are wealthy, but don’t necessarily receive regular income, this can provide full flexible financing to suit your financial profile.