Specialists at the top end of the market, Enness negotiate every type of large mortgage. From equity release to mortgages on multi-million-pound homes, secondary residences or buy-to-let investments, Enness source the best mortgage rates and terms for you.
Enness delivers bespoke financing solutions, no matter how complex your situation or how large your mortgage.
Enness has experience with everything from million-pound mortgages to hundred-million-pound-plus mortgages. Market leaders in large mortgages in the UK and worldwide, Enness will negotiate a personalised lending solution that’s tailored to meet all your requirements, no matter how much finance you need.
With proven experience dealing with challenging scenarios, Enness will be able to secure a mortgage for you, even if you have a delicate or unusual background. Focused on delivering workable solutions whatever your circumstances, Enness can source a complex mortgage solution for you, even if others have failed.
Perhaps you’re looking for a mortgage from a specific lender. Maybe you want to borrow a significant amount or if you are interested in specific terms or interest arrangements. Whatever your requirements, Enness will design and plan and negotiate a tailored mortgage to fit your every need.
Naturally, you’ll want the most competitive large buy-to-let mortgage, but that’s not easy to achieve if you’re working alone. Experts in this niche part of the market, Enness will negotiate the very best financing deal for you, even if your property doesn’t currently have tenants.
More than just arranging a customised lending solution for you, Enness will take the stress out of million-pound-plus mortgages. As well as getting the most advantageous rates and terms, you’ll benefit from a partner that will go above and beyond to make even the largest mortgage straightforward, stress-free, and simple.
With access to over 500 lenders, Enness will help you release equity and create liquidity to acquire property, wherever you want to buy.
Speak to a brokerGenerally yes. Provided you can put down a good deposit, and afford the mortgage in terms of income & your income has been steady for some time (lenders will generally look at your tax
return over the past 3 years).
Enness has a track record of helping self-employed individuals borrow significant amounts, connecting you with lenders that can look at things like director loans.
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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.
Some lenders can accommodate you notably international banks, which are used to dealing with international clients with global assets.
An interest-only mortgage is when you pay your lender the interest on the amount borrowed, but don't make repayments on the principal loan amount. This means you have repaid the borrower the interest owed. but the principal remains outstanding and you will need to repay it.
Repayment mortgages are the most common type of mortgage. You will make monthly repayments to your lender, repaying both the capital and interest each month over 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.
Enness also isn't bound by any incentives to work with or offer you products from specific lenders, as can be the case 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. However we'll likely need to provide additional information/rationale, and you may need to meet certain criteria 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.
Fortunately, we have a number of options 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 generally look after high-net-worth individuals (HNWI's). The FCA definition of a HNWI is £300,000 net income and/or £3,000,000 net assets. They also typically like a loan to be at least £1,000,000 and have more conservative LTVs (e.g. 65% but can go all the way 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 completes 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 also offer structured products, access to funds and diversified strategies.