Specialist Mortgages

The amount you can borrow for a mortgage depends on things like your income, monthly expenses and credit history. Most lenders offer between 4 and 5 times your annual income, though this can vary based on your financial situation.

Specialist lenders may take a more flexible approach, especially if you have a complex income from bonuses, investments or earnings abroad.

At Enness, we can help you understand how much you can borrow and find the right lender to offer the best mortgage for your needs, get in touch today!

A mortgage broker looks at your entire financial situation to give advice that's tailored to your needs. Unlike banks, which can only offer their own products, brokers give you access to the whole market. This means you can explore a wider range of mortgage options including exclusive deals and competitive rates that banks may not provide directly.

By comparing multiple lenders brokers can help secure lower rates and more flexible terms. Whether you're looking for reduced interest rates, custom repayment plans, or specialist loans for complex financial situations a broker increases your chances of approval and ensures you get the best possible mortgage—something your bank alone can’t guarantee.

At Enness, our expert brokers are here to guide high-net-worth individuals through every step of the mortgage process. With our extensive network of lenders, we’ll make sure you secure the most favourable terms for your unique financial circumstances.

This is in line with other costs of market rates or the cost of funds in which banks can borrow money. Essentially, the cost of which banks are borrowing money vs lender appetite.

Enness is an independent mortgage broker. As such, your broker can approach any lender in the market to negotiate a deal for you, and your broker will be working exclusively in your best interests.

Also, Enness is not constrained by any incentives to collaborate with or provide products exclusively from specific lenders, a situation that may occur with other mortgage brokers.

There are two options for this:

• Regional/local bank providers do more straightforward local transactions for domestic clients, some of whom have an appetite for international clients. 
• Big international private banks do larger, more complicated European and International overseas properties.

Yes, it is possible, however, it is certainly more complex than buying in your personal name. We work with a number of private banks & specialist lenders who can consider this kind of ownership structure. Nevertheless, additional information or justification may be required, and meeting certain criteria may be necessary to become a client of the bank.

Our brokers will help you explore the options available to you before your fixed-rate mortgage expires. Whether you are remortgaging or securing a new mortgage, our team will guide you through the process to ensure that you get the best rates possible. How do we do this? We monitor market trends very closely so that we can advise you on the best product available for your circumstances. We also have access to a wide array of lenders ranging from private banks to smaller institutions, which means that we can negotiate and secure the most competitive rates on your behalf. 

Several economic factors affect mortgage rates. For example, higher or lower interest rates. The Bank of England’s base rate is incredibly influential in this. The higher the interest rate, the higher your mortgage rate will be and vice versa. Moreover, if you have a fixed-rate mortgage agreement your mortgage rate will remain the same during the agreement period of your mortgage. However, a variable rate mortgage means that your rate will increase as the interest rate rises. Another important factor is also your Loan to Value Ratio (LTV), as lenders are more likely to offer lower rates when the LTV is lower. 

At Enness, we have access to over 500 lenders, including specialist and private lenders who will offer competitive rates. We will analyse the options available to you making sure that we can secure the best possible terms for you. Our brokers have vast experience dealing with high-net-worth clients who require a discreet and bespoke service and can therefore secure the best rates as quickly and efficiently as possible. 

Enness will negotiate mortgage rates on your behalf. We will ensure that you understand all the different options that are available to you, highlighting how the advantages and drawbacks, always keeping your best interests front of mind. Usually, we will negotiate a handful of offers on your behalf so that you can have a clear understanding of what offers are available to you.