Large Mortgages

Enness arranges large mortgages across a range of property types and borrowing structures. The appropriate solution depends on your objectives, financial position, property and lender requirements.

A large residential mortgage can finance the purchase or refinancing of a high-value main residence or second home. These mortgages are relevant to clients purchasing prime property in London and the wider UK.

We work with lenders experienced in substantial residential borrowing, including cases involving complex income and significant existing assets.

An interest-only mortgage allows you to pay the interest each month without reducing the original loan balance. The capital remains outstanding until the end of the mortgage term.

This structure can suit certain HNW clients who hold significant investments or other assets. However, you need a credible repayment strategy for the outstanding capital.

Lenders will assess the proposed repayment strategy and your ability to meet the mortgage obligations. The availability of interest-only lending depends on individual circumstances and lender criteria.

A large buy-to-let mortgage finances the purchase or refinancing of a high-value residential investment property. Lenders typically assess the property's rental income alongside the applicant's financial position.

For substantial property investments, the ownership structure, rental projections, existing portfolio and tax position may influence lender selection. You should seek separate tax and legal advice where appropriate.

Portfolio mortgages can support clients with multiple investment properties. Depending on the lender, finance may be structured against individual properties or a wider portfolio.

This can be relevant to professional landlords, property investors and family offices seeking to refinance or expand their holdings.

International applicants can face additional considerations when arranging substantial UK property finance. These may include overseas income, foreign currency, international assets and non-UK residency.

We work with lenders experienced in cross-border finance to identify suitable options for clients with international financial arrangements.

A large mortgage broker can help when your borrowing requirements, income or financial arrangements fall outside standard lending criteria. Enness works with HNW and UHNW clients whose circumstances require specialist lender access and considered mortgage structuring.

We regularly assist:

• Entrepreneurs and business owners with retained profits, dividends, multiple businesses or variable income.

• Company directors whose remuneration includes salary, bonuses and dividends.

• High-net-worth investors with substantial investment portfolios and multiple income streams.

• International buyers and expats earning in foreign currencies or holding assets overseas.

• Senior executives with significant bonuses, share awards or complex remuneration packages.

• Family offices and UHNW families arranging finance across personal and family-owned property portfolios.

• Professional athletes and entertainment professionals with substantial but potentially irregular earnings.

• Trust and corporate structures where property ownership and borrowing arrangements require specialist consideration.

You do not necessarily need a complex financial profile to benefit from a large mortgage broker. The size of the loan, property or proposed transaction may itself warrant specialist advice.

Enness provides mortgage advice and brokerage for high-value borrowing requirements. We assess your circumstances, identify suitable lenders, structure your application and manage the transaction through to completion.

Our service is designed around the requirements of your wider financial position, not simply the property you intend to purchase.

We begin by understanding your borrowing objectives, financial position and intended property transaction.

This includes reviewing your income, assets, liabilities, residency, property requirements and preferred mortgage structure. We also establish your timescales and any specific considerations affecting the transaction.

We assess potential options across our network of more than 1,000 private banks, family offices and specialist lenders.

Our relationships give us access to institutions with experience in substantial property finance and non-standard applications.

We consider lender appetite, affordability requirements, loan structures and the wider terms available for your circumstances.

We advise on suitable mortgage structures based on your objectives and the requirements of prospective lenders.

This may involve considering repayment or interest-only arrangements, loan-to-value, income assessment and the treatment of overseas assets or earnings.

Where appropriate, we explore different financing approaches to establish which may offer the most suitable outcome.

Once you have selected a suitable route, we coordinate the mortgage application and liaise with the lender and relevant professional advisers.

We help present your financial position clearly and respond to lender enquiries. This is particularly important where your income, wealth or property ownership requires additional explanation.

We remain involved throughout the transaction, working with the lender, solicitors and other parties involved.

Our role is to maintain progress, address outstanding requirements and help move the financing towards completion. The final decision remains with the lender.

Enness is an international finance brokerage specialising in high-value property and asset finance for HNW and UHNW clients. We bring together specialist mortgage expertise, international lender relationships and a discreet advisory service.

We work with a network of more than 1,000 private banks, family offices and specialist lenders. This gives us access to financing options beyond the mainstream mortgage market.

Our advisers understand the considerations involved in substantial borrowing. We work with clients who have international income, business interests, significant investments and non-standard ownership structures.

With offices in London, Dubai, Jersey and France, we understand the requirements of clients operating across multiple jurisdictions.

We arrange international property finance in markets including London, Monaco, Geneva, Zurich, Dubai and the United States.

We look at the wider financial picture when considering your mortgage requirements. This allows us to explore structures that reflect your assets, income, borrowing objectives and longer-term plans.

We understand that substantial property transactions can involve sensitive financial information and demanding timescales.

Our advisers work discreetly and maintain clear communication throughout the process. We focus on moving transactions forward without unnecessary complexity.

Founded in 2007, Enness has developed relationships across private banking and specialist finance. We use this network to identify potential financing routes for clients whose requirements may not fit conventional lending criteria.