High-Value International Finance Brokers

Enness Global is a specialist high-value finance brokerage for high-net-worth individuals, entrepreneurs and companies who need complex or international finance that standard brokers cannot arrange.

Founded in 2007, Enness has direct relationships with over 500 lenders worldwide, including private banks and specialist institutions not accessible through the open market. With teams in London, Dubai, Jersey, and Nice, Enness combines international reach with jurisdiction-specific expertise. Every case is led by a senior broker and managed from enquiry through to completion. Enness is authorised and regulated by the Financial Conduct Authority (FCA registration number 565120).

A finance broker is an intermediary who sources and negotiates financing on a client's behalf, using their lender relationships and market expertise to secure better terms than a borrower could obtain directly.

Rather than approaching lenders individually, clients work with Enness to access a network of over 500 lenders, including private banks, specialist institutions and international providers. Enness handles the full process: identifying the right lender, structuring the application, negotiating terms and managing the transaction through to completion. This is particularly valuable for complex mortgages, bridging finance, business finance and securities-backed lending where standard routes are unsuitable.

Using a specialist finance broker gives you access to lenders, products and negotiated terms that are not available on the open market, particularly for large, complex or international transactions.

High-net-worth borrowers with complex income structures, foreign assets, concentrated equity or cross-border requirements are routinely declined by high street banks whose criteria are not designed for those situations. Enness works with private banks and specialist lenders who understand these profiles and can offer competitive, bespoke terms. Clients also save significant time: Enness manages the entire process and presents only the most suitable options, avoiding unnecessary credit applications and delays.

Finance to Value (FTV) is the maximum amount a lender will provide as a proportion of the asset being used as security, expressed as a percentage of that asset's value.

For example, an 80% FTV on a property worth £5 million means a lender will advance up to £4 million, with the borrower contributing the remaining £1 million. FTV limits vary by lender, asset type, borrower profile and jurisdiction. Enness assesses each client's financial position and the asset in question to identify lenders offering the most appropriate FTV for their circumstances, including options not available through standard mortgage channels. See our general guide to high-net-worth finance solutions for typical FTV ranges.

Enness regularly secures more competitive rates and terms than clients could obtain by approaching lenders directly, because of its established lender relationships and the volume of business it places.

Private banks and specialist lenders offer preferential terms to brokers who consistently introduce high-quality, complex cases. Enness also negotiates individually on behalf of each client rather than placing them into standard product criteria. This means rates, loan-to-value ratios, repayment structures and fee arrangements can all be tailored. Clients also gain access to exclusive products that are not listed publicly or available through retail channels. Learn more about high-net-worth mortgages and what competitive terms look like for complex borrowers.

Mortgage brokerage is a service in which a regulated intermediary identifies, negotiates and arranges mortgage finance on a client's behalf, using its lender relationships to find the most suitable product and terms.

Enness is a specialist mortgage brokerage focused on high-value, complex and international cases. Unlike retail brokers who match clients to standard products, Enness structures bespoke mortgage solutions for high-net-worth individuals with large loan requirements, complex income, foreign currency assets or cross-border property needs. Enness works across UK mortgages, international mortgages and private bank mortgages, managing the full process from initial enquiry through to completion.

Yes. Enness Limited is authorised and regulated by the Financial Conduct Authority (FCA) with firm reference number 565120. This can be verified at the Financial Services Register.

Enness acts as a credit broker and protection intermediary, not a lender. It conducts both regulated and unregulated business, and clients are always informed which applies to their transaction before they proceed.

Timelines vary by product and complexity. Enness can arrange straightforward bridging finance within 72 hours. A UK or international mortgage typically completes in four to eight weeks. Business finance is often arranged within two to three weeks.

Complex or multi-jurisdiction transactions may take longer, particularly where multiple assets, foreign income structures or cross-border legal requirements are involved. Enness provides a realistic timeline at the outset of every case and keeps clients informed at every stage. Speed is a genuine capability at Enness, particularly for time-sensitive bridging and acquisition finance, where pace is often the deciding factor.

At the initial stage, Enness needs a brief overview of the finance required, the asset or assets involved, and a summary of the client's financial profile. No detailed documentation is needed to begin the conversation.

Formal documentation, including proof of identity, source of funds, income evidence and asset statements, is required before credit applications are submitted to lenders. Enness guides clients through the documentation process and advises on exactly what each lender will need, avoiding unnecessary requests and protecting the client's credit profile. The simplest way to start is to contact Enness directly for an initial discussion with a senior broker.

Yes. Enness has a dedicated programme for professional introducers, including wealth managers, private bankers, solicitors, accountants and independent financial advisers who refer clients requiring complex or specialist finance.

Introducers gain access to Enness's full lender network and specialist expertise for cases they cannot handle directly. Enness manages the entire financing process discreetly on behalf of referred clients, with full transparency at every stage. Introducer relationships are structured to be straightforward and commercially fair. Firms and individuals interested in becoming a private client adviser can contact Enness's dedicated team to discuss how the programme works.

Yes. Enness has offices in London, Dubai, Jersey and Nice, and advises clients across Europe, the Middle East, Asia and the Americas on finance for UK, European and international assets.

Each office combines local market knowledge with access to Enness's global lender network of 500+ institutions. This means clients receive jurisdiction-specific advice whether they are purchasing property in France, refinancing assets in the UAE or arranging international bridging finance across multiple countries. Enness is also registered with the relevant regulatory authorities in France and other jurisdictions where it operates. International and cross-border clients are one of Enness's core client groups.

Enness is not a standard mortgage broker. Its core market is high-net-worth and ultra-high-net-worth individuals with complex financial situations that standard brokers and high street lenders cannot accommodate.

Where a standard broker places clients into listed products with published criteria, Enness negotiates terms individually for each client with private banks and specialist lenders who are not accessible through the open market. Enness's average loan size is significantly above the market average. The firm handles complex mortgages, private bank mortgages, securities-backed lending, international bridging finance and other specialist products that require a fundamentally different approach to origination, structuring and lender negotiation.

Yes. Clients who have been declined by their existing bank or a high street lender are one of the most common scenarios Enness handles, and a declined application from one lender does not mean finance is unavailable.

High street banks and even some private banks apply criteria that are not suited to complex income structures, foreign assets, concentrated equity holdings or unconventional borrowing needs. Enness's lender network extends well beyond the mainstream, and Enness regularly finds solutions for clients who have been declined elsewhere, often on more competitive terms. The first step is to speak to an Enness broker who can assess the situation and identify realistic options before any further applications are made.