High Net Worth Mortgages

Enness: Global High-Net-Worth Mortgage Solutions

Enness arranges bespoke mortgages for high-net-worth borrowers seeking to purchase, refinance, or release equity from prime properties worldwide.

Partnering with hundreds of international lenders, we deliver tailored high-net-worth mortgage solutions for clients in any global market. Our expert team negotiates competitive rates across diverse jurisdictions, ensuring access to top deals in key high-net-worth locations.

Our core markets include the world’s most desirable locations, where favourable local regulations enable international property ownership:

London & UK Mortgages

Prime property in London is not only considered a safe haven investment, but also a trophy asset for many international buyers.

South East locations with easy access to the capital and countryside have long been popular retreats from the city but have surged in demand following the outbreak of the coronavirus.

Enness’ flagship office is based in London where our brokers have outstanding connections to the most competitive banks and lenders in the market, allowing us to provide bespoke London Mortgage solutions for each of our clients.

The UK is one of the most competitive, evolved and complex mortgage markets in the world with hundreds of individual mortgage lenders covering every conceivable niche. That, coupled with the international nature of UK real estate, means that having a specialist on your side is vital.

Paris, South of France and the French Alps

With its timeless appeal, Paris is always in style international investors, while the glitz and glamour of the South of France pulls in billionaires, celebrities and the international yacht set looking for homes to soak up the sun.

The French Alps boast some of the best skiing in the world combined with resorts that cater to the whims of the most discerning clientele.

Through Enness’ office in Monaco, we are very close to the French market, and able to provide buyers with insight, knowledge and expertise on the process, while sourcing the most competitive deals.

The French mortgage market is highly specialist, controlled and inflexible – applications need to be precise and perfectly presented to stand a chance of a quick process to offer.

The market is also highly fragmented and decisions are made on a personal level, which adds a further element of complexity, especially for international and non-French-speaking borrowers

Monaco

As with the South of France, glittering Monaco features an array of impressive properties to cater to its glamorous and affluent inhabitants.

Our local office has built up strong and trusted relationships with local lenders to provide the very best solutions for our clients.

The market here is very regulated and banks have a huge bias toward lending on a mortgage and AUM basis. We add huge value when negotiating the number of assets that need to be pledged to a bank and have a number of dry (no AUM) solutions. As with anything else in life if you fit the criteria here you get great terms – anything outside of perfect however needs a lot of work to get agreed.

Madrid, Barcelona and the Balearic Islands

Spain’s capital is the country’s financial centre, as well as home to some of Europe’s most exciting start-ups and fin-tech, attracting both international investors and innovators.

Barcelona, Ibiza, and the Balearic Islands are the playgrounds of the wealthy, with sandy beaches topped with chic nightlife.

Mainstream Spanish banks typically don’t have an appetite for high value or complex transactions, instead we often lean on our connections with international lenders to facilitate transactions for clients.

That said, for high value transactions and wealthy borrowers there can be a larger number of private banks who will be interested in helping at very competitive terms.

Lisbon and the Algarve

The sophistication and dynamism of Lisbon draws in global business owners and top financiers, while pockets of the Algarve are a long-standing luxury holiday destination.

The mortgage landscape is similar to neighbouring Spain, with few local lenders willing to provide financing for high net worth transactions.

As a result, we would usually tap into our network of international lenders for clients looking for a mortgage in Portugal.

New York, Miami, San Francisco and LA

Property in the State’s most cosmopolitan cities is on a par with London and major European cities. These homes are considered a safe place for wealth and an effective hedge against economic uncertainty.

The urban hubs are major centres for business, finance, technology, and the creative industries, with no shortage of investors or buyers looking to relocate.

We have good relationships with some of the biggest US lenders and Enness also works closely with trusted partners in the States to access the best deals and find the perfect solution for our clients.

Lake Como, Portofino and Tuscany

Italy’s prime property locations feature luxury holiday and investment homes for wealthy buyers from across the world.

Tuscany and Lake Como provide unrivalled beauty and tranquillity, steeped in Italian culture. And luxury Portofino is favourite with the yacht set, with beautiful coastlines on top of world-class shopping.

The Italian mortgage market can be tricky for international buyers to navigate with a myriad of rules and taxes, and only a limited number of lenders will consider business in the country. At Enness we know the banks with an appetite for lending in Italy, so we can find the right solutions for our clients.

Switzerland

Geneva is a major entry point to Europe for international magnates and a leading global centre for banking and finance. The demand for property here is high among the world’s wealthiest buyers.

With an established office in Geneva, Enness is positioned at the centre of the Swiss mortgage market. Through strong relationships with regional lenders, we source Swiss mortgages and financing solutions for high-net-worth clients across a range of needs.

Austrian Mortgages

Austria’s prime real estate markets include the culturally rich city of Vienna and the scenic Alpine regions, such as St. Anton. These locales attract high-net-worth buyers seeking luxury properties. Vienna is celebrated for its classical architecture, vibrant arts scene, and exceptional quality of life. In contrast, the Austrian Alps offer exclusive ski resorts and breathtaking landscapes, making both areas highly desirable for property investment.

Through our Geneva office’s extensive network, Enness leverages strong contacts with Swiss and European lenders to secure optimal lending options, including Austrian mortgages, for clients investing in real estate. Whether for residential purchases, refinancing, or investment properties, we provide access to competitive mortgage solutions across Austria’s premier locations.

Hong Kong and Singapore

As the gateway to Asia, Hong Kong and Singapore are of great importance for investors and business executives. Wealthy buyers often look to own property in the cities as part of diverse and global portfolios.

At Enness we have close links to international banks which are well-established in Asia, and we also have close trusted partners in these regions to provide local insight and expertise.

St Barts, Barbados and Caribbean islands

The pristine beaches and tropical climate of the Caribbean make select locations in the archipelago a huge draw for wealthy jet-setters looking to unwind.

The Cayman Islands and the British Virgin Islands have branches of big international lenders that Enness are connected to. We also know the banks with an appetite to lend in the region and use our relationships to help high net worth buyers purchase their own slice of paradise.

Other locations

Enness will always go above and beyond to find the best solution for our clients.

In some parts of the world, there are very few lenders, if any, which are willing to provide financing on high value and complex cases.

We take a holistic view of our client’s financial circumstances and in some cases may recommend refinancing an already owned property to release the funds needed to buy the international one.