Karina Borg Olivier

Principal Representative - Balearics

Karina is a fantastic addition to the International  Team as  our Principle Representative in the Balearic Islands. Joining us from Penny Black Group where she was an Associate Director in Mayfair, she also worked under her own company, HBO Acquisitions, several years prior.  Karina knows her stuff when it comes to the high net worth property landscape and has an enviable black book of contacts across Europe, Australia and America.  She has a varied and extensive academic history, covering commerce, communications,  sociology, digital marketing and property. Despite her brilliant education and career portfolio, Karina still finds the time to do the things she loves; travelling, dancing, learning new languages and sailing. And if that wasn’t’ enough, she also used to be a Rhythmic Gymnast!  We’re absolutely delighted to have Karina’s experience and energy on the team and look forward to working with her on this new and exciting chapter at Enness.

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Asselle Kirisheva

Monaco Representative

We’re delighted to have Asselle representing Enness in our Monaco Office alongside Enzo and Rade. Asselle is well versed in the art of networking with high net worth individuals, joining us after working as a Regional Director for Luxpro Private Business events. She also has an impressive academic background, having secured a Bachelors in Business Administration and a Masters of Science in International Business Management, both at the International University of Monaco. In her spare time, you can catch Asselle painting or handcrafting a masterpiece- we’ll be keeping an eye out for her art work in the office!

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Rade Sekularac

Monaco Representative

Rade joins our International team as a Monaco Representative working alongside Enzo and Asselle. Prior to Enness, Rade spent two years working for construction and development companies in Moscow, making him a perfect fit for the property finance industry here at Enness. With a huge passion for property, Rade secured a Bachelors in Real Estate Economy in Moscow, followed by a Masters in International Management at the International University of Monaco. Bringing his passion and dedication to the property finance world, we’re proud to have Rade representing us in Monaco.

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Liam Wilkinson

Principal Representative- France

Liam joins Enness International after a stint of playing professional rugby at Stade Nicois in the South of France. This follows a professional sporting background; Liam represented England Rugby in the under-18s team, as well as playing at University.

Liam balanced his sporting prowess with a successful career in foreign exchange, where he has built up an enviable address book across the French Riviera and Paris. He is now a key player in the Enness International team.

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Daniel Howarth

International Mortgage Broker

Before joining Enness’ International team, Daniel spent three years at an international mortgage brokerage organising ultra high net worth loans for non-domiciliaries in France, Spain, Portugal and Italy.

With a lot of experience dealing with high net worth clients seeking international mortgages, Daniel prides himself on his comprehensive technical understanding of international credit and his specialty is his ability to break down clients’ complex financial profiles.

Daniel is an accomplished linguist who is bilingual in both French and Spanish from his joint honours French and History degree from the University of Southampton and various years working in each country.

He developed his French language skills spending a year in Calais teaching English to under-privileged children and he is well versed in French culture from working in Normandy for another four months. This was followed by a year in Lanzarote working as a Scuba Diving instructor whilst teaching French at a local school and learning Spanish in a real-world environment.

Outside of the office, Daniel runs a local café “Polyglott”, where second language speakers meet up with first language speakers to practise their language skills. When he is not broking international high net worth mortgages or developing the language skills of himself and others, Daniel is a PADI qualified Scuba Instructor who has dived in the Maldives, Egypt, Canary Islands, Australia, Thailand, Canada, Iceland and the UK.

Contact Daniel



Daniel's Case Studies


Remortgage for €2.6million rental property in France
Article by Daniel Howarth



Monaco property refinance for UK investor
Article by Daniel Howarth



Enness Sophia Kazmi

Tomasz Wozniak at Enness Global Mortgages helped my wife and I to secure a mortgage at a competitive rate at a time when the main high street lenders were unable to assist.

My situation was that I was just returning to employment after a long career break caring for a terminally ill relative. We approached Enness Global Mortgages, and on the strength of  a job offer I had received,  Tomasz was able to  to put us in touch with a lender who was willing to consider our particular circumstances (including skills, work experience etc) , using a person rather than just leaving everything to an abstract computer decision making process

Tomasz was absolutely invaluable in advising us, and helping us through the application process and also in liaising with underwriters where necessary to ensure our mortgage process was completed efficiently.

I would highly recommend Enness Global Mortgages. I am really happy with the service they provided. I wouldn’t hesitate to use them again if needed in the future.

Bristol.  Dec 2018.

Mr. Brandon

We really appreciate the great job that Victoria did for us, because we couldn’t have got to this stage without her. We would absolutely recommend her to our family and friends, and would certainly work with her the next time we need property finance. We may be looking for a buy-to-let mortgage in the future, so we’ll be in touch! Thanks again.

Ms. Rao

We take this change to thank Chris Whitney and Ben Hall for your efforts in securing this, we had had a couple of false starts elsewhere as you know, we will learn the lesson to come to yourselves first!!

Mr. P

Sophia Kazmi

Dubai Representative

Based in our Dubai office, Sophia joined the Enness International team from Client Services after gaining an extensive knowledge of the London property market as a Move Consultant at Foxtons.

Born and raised in London, Sophia graduated with a degree in French and Business and studied Finance and Economics at l’Université Aix-Marseille during her ERASMUS.

She loves to learn new languages and is fluent in French and Greek, which makes her a great fit for the Enness International team. Outside of the office, she is also an intrepid skier and Fencer.

Contact Sophia



Enness James Ashe

Tomasz Wozniak at Enness Global Mortgages helped my wife and I to secure a mortgage at a competitive rate at a time when the main high street lenders were unable to assist.

My situation was that I was just returning to employment after a long career break caring for a terminally ill relative. We approached Enness Global Mortgages, and on the strength of  a job offer I had received,  Tomasz was able to  to put us in touch with a lender who was willing to consider our particular circumstances (including skills, work experience etc) , using a person rather than just leaving everything to an abstract computer decision making process

Tomasz was absolutely invaluable in advising us, and helping us through the application process and also in liaising with underwriters where necessary to ensure our mortgage process was completed efficiently.

I would highly recommend Enness Global Mortgages. I am really happy with the service they provided. I wouldn’t hesitate to use them again if needed in the future.

Bristol.  Dec 2018.

Mr. Brandon

We really appreciate the great job that Victoria did for us, because we couldn’t have got to this stage without her. We would absolutely recommend her to our family and friends, and would certainly work with her the next time we need property finance. We may be looking for a buy-to-let mortgage in the future, so we’ll be in touch! Thanks again.

Ms. Rao

We take this change to thank Chris Whitney and Ben Hall for your efforts in securing this, we had had a couple of false starts elsewhere as you know, we will learn the lesson to come to yourselves first!!

Mr. P

James Ashe

International Mortgage Broker

James is a highly professional and affable member of Enness, providing strong leadership and French property market expertise in his role as International Mortgage Broker. After graduating with a degree in Russian from the University of Bristol, James worked for a French mortgage brokerage in London, before opting to ply his trade in the high net worth arena at Enness.

James is passionate about French property and loves holidaying in France, where he can take in the nation’s spectacular array of architecture first-hand – from coastal holiday homes to magnificent churches and cathedrals in the cities.

Outside of work, James is a keen musician, avid reader and a fervent fan of British comedy.

Contact James