Unique Property Finance

When mainstream lenders decline your application, approaching specialist lenders is often the next step. However, this process can be time-consuming, requiring multiple applications and detailed conversations with each lender. Many specialist lenders also have their own preferences and may not offer financing for your specific project.

Enness regularly assists clients who have been turned down by both mainstream and specialist lenders. For complex or unusual projects, securing finance often comes down to relationships. Enness brokers leverage established connections to introduce you to lenders willing to consider your project, while also optimizing the structure of your financing.

A borrower’s reputation can either facilitate or hinder access to finance. While a positive track record is beneficial, perceived reputational risk may cause lenders to hesitate, even if your finances and collateral are strong.

Each lender evaluates reputational risk differently, making outcomes unpredictable. In these cases, accessing finance often depends on who you know. Enness brokers are experienced in connecting clients with specialist lenders who are willing to work with borrowers facing perceived reputational concerns. They will also present your case clearly, providing factual context to mitigate perceived risk and maximize the likelihood of approval.

Enness specializes in arranging finance for unconventional property types, including land, large retail spaces, warehouses, leisure and tourism projects, and other atypical commercial developments.

Additionally, property can be leveraged to acquire a wide range of assets, including art, luxury vehicles, and collectibles. Loan amounts and terms depend on the property or asset being financed, with larger or more exotic projects sometimes requiring additional security. Enness’ access to the full lender market ensures that the most competitive rates and flexible structures are identified for each scenario.

Properties encumbered by restrictive or unusual covenants require careful consideration and attention. While not inherently problematic, covenants that limit use or affect value can reduce the number of lenders willing to finance a project.

Enness brokers assess your project and devise strategies to address covenant restrictions. They present applications in a structured and confident manner, anticipate lender questions, and work to secure competitive financing, even when covenants present challenges.