Whether you are looking for large commercial mortgages or large buy to let mortgages this is a specialised area of finance. Enness has experience and contacts which places us head and shoulders above anyone else in the large mortgage market. We have refinanced luxury properties in areas such as London, Monaco, Dubai and many more, securing high net worth lending in excess of £1 million and on occasion over £100 million.
High value mortgage lenders
You may be surprised to learn that while the high value mortgage market is competitive and liquid, securing a deal without a mortgage broker can be challenging to say the least. Whether looking towards private mortgage lenders UK based or private finance from overseas, it comes down to a case of access. Our exclusive network of contacts in the world of finance opens doors which are closed to many mortgage lenders and financial advisers. This is what makes us different, why we stand out from the rest.
In our experience, there is no one size fits all/off-the-shelf large mortgage structure as financial circumstances are often very different. It is our ability to work around your financial and personal circumstances which allows us to structure large mortgage deals that deliver. During our years in the international mortgage market we have overcome an array of challenges relating to residency, cash flow and the use of international assets as collateral. We have arranged large mortgage finance through offshore companies and trusts which take into account an array of different currencies.
Structuring high value mortgage transactions
As we touched on above, there is no one size fits all in the HNWI mortgage market. In many cases the deal structure tends to hinge on leveraging current assets such as pensions, bonuses or even fine art. The key to structuring such mortgage transactions is access to not only the commercial banking market but private banks as well. Our experience tells us that private banks are more flexible, more accommodating and can create an array of bespoke products under our guidance. This opens a whole array of new options for large commercial mortgages and large buy to let mortgages.
The key to achieving the best interest rate, preferable terms and significant funding is to utilise all assets to hand. We can also offer guidance in areas such as taxation and legislation which tend to change on a regular basis in our markets. While tempting to assume that taxation/legislation is similar from country to country, this is not always the case. Therefore attention to detail when structuring high value mortgages is essential.
Securing high net worth lending
As we have long-standing experience in this market, and an extensive network of contacts, we know how the process works and what paperwork is required. This ensures that mortgage finance is made available in a timely manner with large mortgage deals often time critical. Even though many high net worth mortgage brokers will refuse to use specific assets as collateral, we are confident we can find a way.
We fully understand that each client case is unique and often requires a bespoke approach when raising finance. We have a team of experts with unprecedented access to both commercial and private lending markets. Our clients range in wealth with residencies across a variety of countries and asset often spread across the globe. Utilising all assets and income to hand is the key to structuring the best mortgage finance on the market today. If you are looking to raise significant mortgage finance, perhaps you are been turned down by another broker, we would welcome the opportunity to discuss your situation in more detail.