- British nationals with multi-jurisdictional residency
- Property valued above €5 million
- Circa €2.5 million long-term refinance
Enness Global was approached by an EU-based private bank acting for a long-standing ultra-high-net-worth client seeking to refinance a luxury ski chalet in Courchevel. The property was not their primary residence and formed part of a diversified global real estate portfolio. The client and their family are primarily based internationally, with additional ties to the United Kingdom. Their objective was to secure a long-term, flexible refinancing solution aligned with their wider international wealth strategy subject to lender criteria.
The transaction involved several cross-border complexities. The property was held within a French SCI structure shared between two unrelated ultimate beneficial owners, requiring a lender comfortable with sophisticated ownership frameworks. Multiple jurisdictions were involved across residency, wealth, and income sources, significantly narrowing the lender pool. In addition, the existing mortgage was approaching maturity, creating time sensitivity and requiring efficient execution from both broker and lender subject to underwriting processes and legal timelines.
Following detailed analysis of the international lending market, Enness negotiated competitive long-term refinance terms with a lender experienced in multi-jurisdictional client profiles. The selected lender was comfortable with the client’s global footprint and complex ownership structure subject to internal credit approval. The process progressed efficiently from initial engagement through underwriting and completion. The clients’ responsiveness and clear financial documentation also contributed to a smooth transaction, ensuring the refinance was completed ahead of the existing facility’s expiry.
Enness Global combines international expertise, deep private banking relationships, and access to over 500 lenders. Our global presence enables us to understand the specific needs of cross-border and ultra-high-net-worth clients, including complex ownership structures and multi-jurisdictional income. By aligning structuring, lender selection, and execution strategy, we deliver tailored financing solutions with discretion for sophisticated international borrowers subject to status and lender criteria.
