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Location: UK
Value: £9m
Enness’ Added Value
When you work with Enness, you’ll gain access to a team that understands the high expectations of your clients. We deliver bespoke finance solutions that are tailored to the unique financial structures of high-net-worth individuals. No matter how complex your client's needs are - whether they are purchasing property, refinancing, or pursuing new investments, Enness can broker the finance needed, providing added value to your advisory services.
Our Finance Experts
No matter your client’s scenario and whatever they want to finance, Enness will work in a way that compliments your approach, your work, and your goals through our private client advisor services.
Enness’ Services and Solutions
Enness helps your clients access competitive, high-value and international finance to buy property, unlock opportunities and solve liquidity challenges.
Communication and Workflow
Transparency and collaboration are central to how Enness works with private client advisers, and you will be kept in the loop every step of the way. You will know what the team is doing for you and your client and when you can expect delivery of any part of the plan. Nothing will be executed without you being aware of it and you will be involved in all communications and liaison with your client. Deliverables will always be specific and concrete.
Your broker will also be open to feedback concerning your preferred working and communication style. If you want Enness to adapt to facilitate your work, how you manage the deal or your client's preferences, Enness will do so.
Sometimes, plans change, or the initial plan can't be executed for reasons outside your, Enness' or your client's control. If this is the case, Enness will reach out to you immediately to let you know. The team will be ready with options and alternatives next steps and will give you the information you need to make informed decisions with your client.
Enness’ Services and Solutions
Enness works closely with UK-based and international advisors of high-net-worth individuals, families, entrepreneurs and business owners. Enness brokers international high-value finance, including:
Lender Access
Enness has a network of more than 500 lenders, and the team will secure the mortgage or finance your client needs, even if they have a complex, challenging or sensitive situation. Enness has a global outlook and regularly brokers cross-border and international deals. The team is made up of several nationalities, and brokers speak various languages.
How Enness Helps You and Your Clients
As a private client adviser, you need diverse financial solutions for your clients. Whether your in-house resources are stretched or you need a partner to create bespoke packages, Enness is here to help.
By working with Enness, you'll gain access to expertise that expands your services, attracts new assets, and grows your business. No matter your client’s needs, we’ll complement your approach and enhance the service you provide, empowering your clients to meet their financial goals.
Initial Discussions
We understand the importance of confidentiality and discretion in your initial discussions. You can engage with us regarding your client's requirements on a no-name, no-paperwork basis, ensuring that sensitive information remains secure. Our expert brokers will then explore a range of financing options tailored to your client’s unique needs, including in-principle scenarios that outline potential solutions.
Building a Solution
At Enness, we prioritise collaboration to create bespoke financial solutions that meet your clients' specific needs. Working alongside you, our team will develop a comprehensive plan that equips you to present a concrete set of potential options to your clients.
You will receive detailed insights into the available rates and terms, as well as a clear understanding of what will be required from your client to take advantage of these opportunities. Our goal is to equip you with the knowledge necessary to guide your clients through the process confidently.
Indicative Terms
Enness is committed to providing timely and transparent communication throughout the financing process. We will issue indicative heads of terms for your client as quickly as possible, allowing you to present a clear outline of potential financing options.
These indicative terms serve as a valuable resource that you can utilise as needed, providing a solid foundation for discussions with your client. Once we have gathered sufficient information and understand your client's unique circumstances, these indicative terms can be upgraded to credit-backed agreements with confidence.
Pragmatic Execution
If the plan works and your client wants to proceed, Enness will agree on an approach with you. The plan will consider all parties' needs in terms of fees, application management and communication. If desired, Enness will effectively form part of your team to deliver the solution, so you are providing a seamless service to your client. You will be kept in the loop every step of the way, and your broker will ensure you know what is happening and when you can expect delivery of any part of the plan.
Private Client Adviser Guide
As a private client adviser, you may regularly need to source diverse debt and finance solutions for your clients and prospects. You may not be able to handle these requests in-house, or you need the help of an expert partner like Enness to search the market and negotiate a hand-built finance package for your client.
Bridging Finance Guide
The relatively short-term nature of bridging finance can be challenging, requiring experience, contacts and negotiating skills to secure the best possible terms with as much flexibility as possible. Extremely competitive interest rates, staged funding release to save on interest and utilising assets and income as security are vital elements of bridging finance deals.
Guide to Securities-Based Lending
Securities-based lending provides ready access to capital. From purchasing a property, buying assets, investing in stocks or growing a business, you can use securities-backed lending (also known as Lombard loans) for various purposes.
Corporate Finance Guide
Corporate finance comes in many shapes and forms. You can use it to unlock capital to grow your business, buy commercial property, purchase high-value business assets, or simply to access cash to overcome short-term liquidity challenges. Enness Global specialise in small and mid-cap companies that are looking to raise between £5–100m.
My Client Has a Sensitive Background. Can You Help?
Absolutely. Enness is structured to assist private client advisers who serve clients with sensitive or unique backgrounds. As long as your client meets standard compliance and AML requirements, our dedicated team is well-equipped to provide the support they need.
Our brokers have established relationships with lenders who are open to considering borrowers with unconventional backgrounds - clients who may have faced challenges in securing finance within the broader market. Whether your client has irregular income, a diverse global income stream, is a business owner or entrepreneur, or belongs to a nationality that many lenders are hesitant to onboard, Enness can navigate these complexities on their behalf.
My Client Has Been Turned Down for Finance. Can Enness Assist?
Yes – just because your client has been turned down for a loan, it doesn't mean finance won't be an option. In fact, Enness regularly works with private client advisers and introducers who haven't managed to find finance by searching the market themselves. If your client has been turned down for a loan, it may mean you haven't found the 'best fit' lender, your client's case needs to be presented better, or your client's situation needs restructuring slightly to make their application more appealing to lenders. Enness can help deliver all these for you.
My Client Is a VIP – What Is Your Approach?
At Enness, we understand the unique needs of high-profile individuals for whom discretion and privacy are of utmost importance. When working with VIP clients, our approach is designed to prioritise confidentiality and deliver a seamless experience.
From the outset, we initiate conversations on a no-name basis, ensuring that your client’s identity remains protected throughout the process. This commitment to anonymity is maintained for as long as possible, allowing for open and secure discussions regarding their financial needs.
To further safeguard your client’s interests, if required, only senior members of the Enness team will be involved in liaising with you and your client. This not only ensures a high level of expertise but also reinforces the trust and confidentiality necessary when dealing with sensitive financial matters.
My Client Is in a Tight Spot and Needs Finance Fast. What Do I Do?
Enness is often approached by private client advisers who need a solution quickly, whether that's so your client can capture an opportunity or solve a problem. The team has a track record of brokering finance quickly depending on your client's assets – in some cases, so that your client can draw down funds in 1-2 weeks. Whatever the scenario – get in touch. Enness will help come up with a short, medium and long-term game plan that will see your client get the finance they need as quickly as possible.
Which Lenders Does Enness Work With?
Enness is an independent broker with access to over 500 lenders. This includes private banks, family offices, and niche players specialising in their area of lending. Many require introductions or prefer to be approached by brokers rather than clients to support the quality of the individuals they lend to. As an adviser, the calibre of the lender your client uses or that you introduce them to via Enness' brokers is paramount. Enness only has relationships with reputed, high-profile lenders with very clear authority in their area of expertise.
My Client Isn't Based in the UK, Can You Still Broker Finance?
Yes. Enness has a track record of brokering high-value deals for non-UK residents – many clients do not have any connection to the UK and are not buying assets/deploying loan capital in the UK or releasing equity from UK-based assets. Enness can broker finance for non-UK residents, expats based abroad (whatever their nationality and country of residence) and individuals who do not link or have any connection to the UK.
What Is Enness' Track Record?
Enness works with ultra- and high-net-worth individuals and their advisers. Clients include successful business owners, entrepreneurs, career landlords, investors, family offices, entertainment and sports personalities, etc. On average, Enness' clients have a net worth of around £15 million, and the team have the capacity and experience to broker deals of a hundred million pounds or more.
How Much Can My Client Borrow?
Enness specialises in brokering high-value finance of £1 million or more (or the equivalent in another currency). How much your client can borrow will depend on their assets, global wealth, income, plans and the assets they will use as security. Whatever their goals, Enness will always work to maximise what your client can borrow while getting them the best rates and terms. The team can also help your clients if they have significant wealth tied up in assets but comparatively little income, if they want specific financial products, or want to borrow against unusual or multiple asset classes.
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