- International ultra-high-net-worth client's resident in the UK
- Property valued above €3.5 million
- Circa €2.3 million refinance with equity release
Enness Global was approached by an EU-based private bank representing a married ultra-high-net-worth couple residing in the United Kingdom. The clients sought to refinance a luxury villa in Spain, which was not their primary residence but formed part of a broader international property portfolio. Over the course of highly successful careers, the couple had built significant wealth across multiple asset classes and wanted a refinancing structure aligned with their long-term global investment strategy subject to lender criteria.
The case required careful navigation of cross-border considerations, including residency in the UK, multi-jurisdictional connections, and international asset holdings. The clients’ income profile was also complex, comprising base salary, bonuses, equity-based compensation, and profit-sharing distributions. This structure required a lender capable of taking a holistic view of wealth and long-term earning capacity. Identifying a banking partner comfortable with both international income and complex remuneration was essential subject to underwriting assessment.
After a detailed review of private banking appetite, Enness secured a long-term refinance with a lender experienced in international high-net-worth lending. The solution delivered improved pricing and structure while also enabling a modest equity release, enhancing liquidity and portfolio flexibility subject to credit approval. The process moved efficiently from initial engagement to completion, supported by the clients’ proactive approach to documentation and communication, ensuring smooth underwriting and execution.
Enness Global specialises in complex, cross-border property finance for ultra-high-net-worth individuals. With access to over 500 lenders and strong relationships across international private banks, we can identify solutions that reflect global wealth structures and sophisticated income profiles. Our expertise in multi-jurisdictional transactions ensures seamless execution, competitive terms, and strategic outcomes aligned with long-term wealth management objectives subject to status and lender criteria.
