- Ultra-high-net-worth Middle Eastern family
- Circa £18 million ultra-prime London residence
- Circa £8 million refinance at approximately 47% loan-to-value
An ultra-high-net-worth Middle Eastern family approached Enness Global seeking to refinance approximately £8 million secured against a prime residence in London valued at circa £18 million. The property is used as both a family holiday home and a UK base, and the objective was to achieve highly competitive pricing while preserving liquidity for broader wealth planning and investment activities.
The transaction required careful handling due to the size of the single exposure, the international borrower profile, and the need for an interest-only structure. Pricing sensitivity was also a key factor, with the family seeking an efficient structure that would avoid unnecessary hedging costs while still providing flexibility and discretion throughout the process.
Enness Global structured a circa £8 million interest-only refinance facility through a leading private bank. The loan represented approximately 47% loan-to-value and was arranged on a short-term tracker structure, allowing the client to benefit from competitive pricing while maintaining flexibility.
The solution delivered highly competitive terms while preserving liquidity and aligning with the family’s long-term wealth strategy. In addition to securing the refinance, the transaction also established a long-term private banking relationship, supporting the client’s broader financial and investment objectives.
