Key Details:
- Client: International investor relocating to the UK
- Challenge: Refinancing a UK investment property held through a multi-jurisdictional corporate structure while relying on rental income rather than personal earnings
- Loan Amount: Circa £2.08 million refinance over a five-year term
An international investor relocating to the UK approached Enness Global seeking to refinance a residential investment property valued at approximately £4 million. The property was held through a UK special purpose vehicle (SPV), which was itself owned by an international holding company. Having recently invested around £600,000 in refurbishing the property, the client wanted to replenish capital while retaining the asset as a long-term rental investment.
The transaction presented several complexities. At the time of the application, the client was between professional roles and did not have conventional UK-earned income, meaning many lenders were unable to assess affordability using standard underwriting criteria. In addition, the property's ownership through a multi-jurisdictional corporate structure significantly reduced the pool of lenders willing to consider the transaction. Although the property generated rental income of approximately £13,000 per month, identifying a lender prepared to assess the case primarily on the strength of the investment asset and rental income required a specialist approach.
Enness introduced a specialist lender experienced in complex international property structures and investment lending. The lender was comfortable underwriting the facility based principally on the property's rental income while accommodating the existing corporate ownership structure. A circa £2.08 million refinance was arranged over a five-year term, enabling the client to replenish renovation capital, retain the property as a long-term rental investment, and support broader liquidity requirements.
This case demonstrates Enness Global's experience in arranging specialist refinancing solutions for international investors with complex ownership structures, where conventional affordability models may not reflect the strength of the underlying asset or investment strategy.
Disclaimer
This case study is provided for illustrative purposes only and does not constitute financial, legal, tax or investment advice. The client scenario has been anonymised and certain details have been generalised to protect confidentiality. Finance is subject to status, underwriting, valuation, asset suitability and lender criteria. Loan amounts, loan-to-value ratios and lending structures are indicative only and may vary depending on individual circumstances and market conditions. Enness Global acts as a credit broker and not as a lender.
Risk Warning
Your property may be repossessed if you do not keep up repayments on your mortgage or any debt secured against it.
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Property values can fall as well as rise, and you may not get back the amount originally invested. Property investments can be illiquid and may take time to sell. Where borrowing is used, your property may be repossessed if you do not keep up repayments on a mortgage or other loan secured against it.
