The international mortgage market is extremely complex and wide-ranging. There are many issues to take into consideration such as currencies, income, security and the legal framework in different countries and indeed different regions. 

Our independent status secures access to more than 300 global lenders. This has allowed us to complete on mortgages for 78 different nationalities across 20 different countries with an average mortgage size of £1.5 million.

Our clients

At Enness, we don’t deal with the ‘typical’. We work in the most complex part of the market and so it’s no wonder that our clients come from all backgrounds, countries and require our help and advice in all manner of situations. In 2019 our multilingual team arranged property finance for 78 different nationalities, across 20 countries internationally – the largest mortgage offer coming in at a huge £42 million.

Our lender access

Language barriers, cultural differences, foreign credit processes and legal systems makes the international mortgage market hard to navigate. That’s where Enness step in. We work on your behalf to source and negotiate the best possible mortgage for you or your client’s circumstances. We work with a global network of over 300 lenders, ranging from small building societies to challenger banks, alternative lenders and global private banks. 

What we do

Global reach

Our core lending markets are the United Kingdom, France, Monaco, Spain, Switzerland, Portugal, Jersey and Guernsey. However, our lender reach and network means we can technically arrange mortgages anywhere in the world. In 2019 alone, our multilingual brokers arranged property finance for 78 different nationalities, across 12 countries from our international offices.

Personal services

Our advisors work for and on behalf of our clients. We are on your side and negotiate with our lenders to secure the best possible mortgage finance based on your unique circumstances. We are discreet, responsive and proactive. We will source and negotiate your mortgage funds and then work with all parties to secure the desired outcome in the timeframe required.

Unrivalled expertise

We thrive in complex, challenging scenarios and work with whatever circumstances are presented to us. We like to push boundaries, negotiate and will always secure the best possible outcome. Our strong lender network will ensure we find the best possible solution to suit your needs, and where appropriate, we can also advise on alternative approaches to your mortgage solutions.

How we work

Our initial conversations are often over the phone, at a time which is convenient for you. We will listen carefully to your requirements and circumstances, before clearly explaining how we operate, our fees and what we think we can achieve in a timely, efficient manner – free of charge.

When you are happy to instruct us, we will compile a detailed report on your circumstances and start work on securing you a solution. With efficiency at the forefront, we will make sure to communicate your options clearly and honestly, taking care to explain any risks or pitfalls which may be presented.

Once we have proposed a solution that works for you, we will set about executing the transaction as efficiently as we can, managing all parties and paperwork as we go. Our expert brokers will be by your side throughout the process and as invested in the success of the transaction as you are.

The Global High Net Worth Mortgage Guide

We are delighted to present the Global High Net Worth Mortgage Guide which takes an in-depth look at the world of international mortgage finance in luxury property markets around the world. The guide covers local regulations, access to funding, how to secure the most competitive terms and much more.

Our bespoke approach to mortgage funding is second to none, covering residential, commercial, development and international property acquisitions. Real-life case studies highlight how we approach complex funding requirements which often demand a bespoke funding structure.

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