Key Details:
- Client: Internationally based dual-national
- Property: London property valued at circa £5 million
- Loan Type: Refinance mortgage
- Loan to Value: Below 55%
- Structure: Interest-only facility accommodating offshore income
Illustrative Example: This anonymised case study demonstrates how Enness can arrange bespoke refinance mortgages for international high-net-worth clients.
An internationally based dual-national approached Enness Global seeking to refinance a London property valued at approximately £5 million. The client’s primary objective was to release capital for diversification while preserving existing offshore income arrangements and maintaining flexibility across their wider international wealth structure.
The client required a refinance mortgage at below 55% loan-to-value on an interest-only basis. The facility needed to accommodate offshore income, multi-jurisdictional financial arrangements and the client’s broader long-term wealth-planning objectives, while providing an efficient route to releasing equity from the London property.
The main challenge was structuring the facility around the client’s international financial profile. The requirement to extract capital while maintaining existing offshore assets and multi-currency arrangements narrowed the available lender pool. The lender also needed to be comfortable assessing international income and understanding the client’s wider balance sheet rather than relying solely on conventional UK affordability criteria.
Enness Global sourced a private-bank lender with experience in high-net-worth international clients and complex offshore income structures. The resulting refinance mortgage was structured below 55% loan-to-value on an interest-only basis, providing the client with access to capital while maintaining significant equity in the London property.
The structure enabled the client to release capital for diversification without requiring the disposal or restructuring of existing offshore assets. It also provided continued flexibility around the client’s wider wealth-planning arrangements and future investment decisions.
This case demonstrates how specialist refinance structuring can support internationally based high-net-worth clients whose income, assets and financial arrangements span multiple jurisdictions. By taking a holistic view of the client’s circumstances and accessing private-bank lending relationships, Enness Global was able to identify a bespoke solution aligned with the client’s liquidity and long-term objectives.
Disclaimer:
This case study is for illustrative purposes only and does not constitute financial, legal, tax or investment advice. Finance is subject to status, underwriting, asset suitability, jurisdiction and lender criteria. Terms and outcomes will vary depending on individual circumstances and are not guaranteed.
Risk Warning:
Your property may be repossessed if you do not keep up repayments on your mortgage or other borrowing secured against it. Where income or assets are held in foreign currencies, exchange-rate movements may also affect the cost of servicing sterling-denominated borrowing.
Information contained in our case studies is for market and illustrative purposes only. In some cases, these may be made up of multiple cases and are for illustrative purposes only.
Some case studies are made up of enquiries that have come into the business, not all business completes, and the posting of a case study does not represent a completed piece of business.
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.
