- Approximately 75% loan-to-value on each purchase
- Interest-only structure with no early repayment charges
- Joint borrower, sole proprietor private bank solution
A high-net-worth couple approached Enness Global seeking a long-term strategy to acquire three residential properties in London for their children. The objective was to secure ownership in each child’s name while using the parents’ financial strength to support affordability. Each property had a purchase price exceedingly approximately £1.5 million, and the clients wanted to maximise leverage while preserving liquidity.
The clients already owned multiple residential properties with significant existing borrowing, meaning careful affordability assessment was essential. As the children did not have income, a structured approach was required to ensure the borrowing remained sustainable and aligned with the family’s broader wealth strategy. The case also involved complex income structures, which required a lender capable of taking a holistic high-net-worth view.
The clients prioritised flexibility and long-term planning. They wanted high loan-to-value borrowing on an interest-only basis, with no early repayment charges to allow future restructuring or repayment. A joint borrower, sole proprietor structure was required so the parents could support affordability while the properties remained in the children’s names.
Enness sourced a leading UK private bank that was comfortable with complex income and multi-generational planning. The lender offered approximately 75% loan-to-value across all three purchases, structured over a 10-year interest-only term. Crucially, the facilities included no early repayment charges.
To provide certainty and efficiency, the lender pre-approved total borrowing capacity at the initial credit committee stage. As each purchase completed sequentially, only updated documentation was required. This streamlined process enabled the clients to execute their strategy with confidence and minimal delay in line with lender requirements and timelines.
This case highlights Enness Global’s expertise in structuring private banking solutions for high-net-worth families, combining strategic planning, flexible lending, and tailored underwriting aligned with long-term wealth objectives subject to status and lender criteria.
