Jumbo Mortgages

Enness guides clients through every step of securing a jumbo mortgage. We offer personalized solutions for international high-net-worth (HNW) and ultra-high-net-worth (UHNW) individuals such as:

• Bespoke lending starting from £1 million with no upper limit
• High loan-to-value options, up to 100% LTV with additional security
• UK mortgages for foreign nationals, expats, and non-residents
• Flexible approach to income and wealth documentation, including HNW exemptions, pre-funded, rolled-up, and occasional-use exceptions
• Interest-only, blended, and part-and-part mortgages
• Residential and investment property lending
• Solutions for complex ownership structures, including trusts, limited companies, foundations, and funds
• Access to large mortgage teams at high street lenders, private banks, and specialist lenders
• Independent, discreet, and responsive service

• Enness combines market access, expertise, and creativity to structure large mortgage solutions tailored to your financial profile and ambitions.

Securing buy-to-let mortgages or investment mortgages at the top end of the market requires specialist expertise, and our experience ensures you obtain the most attractive terms.

Unlike standard buy-to-let lending, traditional rental income requirements and stress tests are often less rigid for large mortgages. Lenders will focus on your net worth, personal income, and ability to cover interest during periods of vacancy.

Enness helps you navigate the complex landscape of high-value buy-to-let properties, explaining the different approaches of various lenders and negotiating the best mortgage rates and terms, even if the property isn’t currently rented.

Deposit requirements for a jumbo mortgage depend on the lender and property type. Furthermore, the size of your deposit usually affects the interest rates lenders are willing to offer for large mortgage loans. Generally, a lower loan-to-value (LTV) ratio allows us to secure more competitive rates.

A larger deposit can also provide additional advantages. Some lenders may reduce income requirements or streamline paperwork based on the deposit size.

At Enness, we analyze your situation in detail to ensure you receive the best possible large mortgage deal, tailored to your deposit and circumstances.

Yes. Enness specializes in cross-border property finance, helping U.S. clients purchase in Europe and international clients invest in the U.S. We arrange jumbo mortgages worldwide for primary residences, investment properties, and holiday homes. From major European hubs to the Middle East, Asia, and the Americas, we possess the expertise and connections to secure the ideal mortgage for your property.

Our global experience, multilingual team, and hands-on approach make us ideally placed to assist international borrowers with complex property portfolios.

Qualification depends on your income, credit profile, and financial position, including investments, business income, and other assets. We work with lenders who understand complex income structures, self-employment, and high-net-worth profiles to maximize approval chances.

Yes. Many high-net-worth borrowers receive income from bonuses, dividends, or offshore sources. Enness presents your case to lenders by highlighting your overall wealth and repayment capacity, not just your base salary.

Yes. Some lenders offer mortgages secured against your investment portfolio, real estate, or other high-value assets. This approach is ideal if you have significant wealth but limited traditional income.