Complex Mortgages

Enness works with unconventional mortgage lenders to help clients secure financing when traditional lenders can’t accommodate unique circumstances. These lenders offer flexibility for cases involving complex income, unusual property types, or international requirements.

• Understanding Your Profile: We take time to understand your financial situation and objectives.
• Accessing Specialist Lenders: We connect you with lenders who specialise in bespoke financing.
• Negotiating Optimal Terms: We present your case to secure competitive rates and terms.
• Simplifying Complex Cases: From irregular income to challenging credit histories, we handle the details.

Our approach ensures you have access to custom solutions and seamless support throughout the process.

Foreign currency mortgages can be taken out on both overseas and UK property allowing you to take out a loan in whichever currency is appropriate. 

In the case of a UK property purchase, a foreign currency mortgage will be converted into sterling, but the value of the debt will be in the foreign currency as will the interest paid. As standard, the mortgage is paid in monthly instalments, converted into your foreign currency at current foreign exchange (FX) rates.

A large proportion of our client base are overseas investors whose income is in a foreign currency so having access to foreign currency mortgages is an area in which we can add value to their transactions.

High net worth individuals tend to remortgage property assets as a means of raising capital for new ventures and new investments.

The best remortgage advice will take in an array of issues such as affordability, outstanding mortgage, income, and property valuations.

By utilising Enness contacts with high street banks, private banks, non standard mortgage lenders and other niche lenders, there are few scenarios in which our brokers are not able to offer detailed remortgage advice.

While many of our higher net worth clients have ambitions to build large property portfolios, there is also significant interest in second homes.

These additional properties tend to be a significant distance from their main abode and are often overseas.

So, whether you are looking for a country retreat for the family, overseas holiday home or a pied-à-terre in the city we can certainly assist you in structuring the right mortgage finance for you.

A second charge mortgage means that as well as the initial mortgage charge on your property, there is a secondary charge which is covered by the equity in your property.

There are several reasons why you may look to secure a second mortgage using a second charge such as:

• Consolidating existing debt
• Expanding a buy to let portfolio
• Cash flow for business

We have experts right across the financial spectrum with specific experience in arranging second charge mortgages. 

At Enness, a large proportion of our clients are self-employed. Our knowledge in this market is incomparable and experience in handling such cases is unrivalled.

Many of our brokers have accountancy backgrounds, making them extremely proficient in securing your property finance.

At Enness, no problem is too big when it comes to mortgages. Whether your mortgage application is complex or simple, we are fully committed to finding the best deal for our clients, whatever their circumstances.