Mortgage Solutions

Yes! Enness regularly works with foreign property investors, expats, and other individuals who want to buy UK real estate, despite being outside of the UK.

Certain lenders, particularly international banks, are adept at catering to clients with global assets and international backgrounds.

In an interest-only mortgage, you pay the lender the interest on the borrowed amount without making repayments on the principal loan sum. This implies that you have fulfilled the interest obligations to the lender; however, the principal amount remains unpaid and will need to be repaid in the future.

Repayment mortgages represent the most prevalent form of mortgage. Monthly repayments are made to your lender, covering both the capital and interest, spread over the duration of the loan term.

Enness is an independent mortgage broker. As such, your broker can approach any lender in the market to negotiate a deal for you, and your broker will be working exclusively in your best interests.

Also, Enness is not constrained by any incentives to collaborate with or provide products exclusively from specific lenders, a situation that may occur with other mortgage brokers.

Yes, it is possible, however, it is certainly more complex than buying in your personal name. We work with a number of private banks & specialist lenders who can consider this kind of ownership structure. Nevertheless, additional information or justification may be required, and meeting certain criteria may be necessary to become a client of the bank.

Yes! We work with a range of lenders who can look at loss making businesses. As long as there is narrative to the loss, and an understanding on how funding can change the business to make a profit, we can definitely look at assisting you.

Luckily, we have various options available when it comes to leveraging single stocks. One such option allows you to pledge the shares whilst holding them in your own account at the lender's custodian for the duration of the loan, thus you continue to retain full ownership.

Private banks typically cater to high-net-worth individuals (HNWIs). As per the FCA definition, an HNWI is someone with a net income of £300,000 and/or net assets of £3,000,000. Moreover, private banks usually prefer loans of at least £1,000,000 and maintain more conservative Loan-to-Value ratios (e.g., 65%, but potentially extending up to 90%). Private banks offer a much more flexible and holistic approach to mortgages and can consider more convoluted income streams & assets to get the mortgage required. They will also assign you a banker once your mortgage is completed to assist you with any financial requirements you may or may not need in the future.

The banks invest in AUM. You usually have a choice between an advisory mandate where the bank advise you on the choice of the investment or a discretionary mandate porfolio, where the client chooses a pre-made portfolio based on his risk appetite.

Banks can provide with financial options by offering structured products, facilitating access to funds, and implementing diversified investment strategies, adding substantial value to your portfolio.