Enness arranged a £6.65M mortgage at 95% LTV for a prime London acquisition, enabling a high-net-worth client to preserve investment capital.

• Client: High-net-worth UK-based investor
• Challenge: Securing 95% LTV on a £7M first property purchase
• Loan Amount: £6.65M mortgage at 95% LTV

A high-net-worth investor approached us seeking finance for the acquisition of a prime London property valued at £7M. Although this was the client’s first residential property purchase, the financial profile was exceptionally strong, supported by substantial annual earnings, significant liquid assets, and a sophisticated investment strategy focused on long-term wealth creation.

The client’s objective was centred around capital efficiency rather than borrowing necessity. Rather than committing a large deposit toward the purchase, the client wanted to retain liquidity and keep capital allocated to investment strategies delivering strong long-term returns. A substantial portion of wealth was held across liquid investment portfolios, ETFs, and other structured investments, all of which formed a key part of the client’s wider financial strategy.

The main challenge was achieving such a high level of leverage on a property of this value. Mortgages at 95% loan-to-value are exceptionally rare at the £7M level, particularly for a first-time buyer. Most lenders in this space require significant equity contributions, regardless of a borrower’s income strength or overall wealth position. Conventional lending models often focus heavily on deposit size rather than taking a broader view of the client’s financial profile.

We sourced a specialist lending solution with a private banking lender able to assess the transaction holistically. The lender took comfort not only from the client’s income, but also from their wider asset base, liquidity position, and long-term repayment strategy. This enabled the borrowing to be structured at 95% loan-to-value on highly competitive terms.

A £6.65M mortgage was arranged at approximately 1% above the Bank of England base rate. The structure provided significant flexibility while aligning with a clear long-term plan to reduce leverage over time.

This transaction demonstrates how high loan-to-value borrowing can be used strategically by sophisticated borrowers. In many cases, preserving liquidity and keeping capital invested can create greater long-term value than deploying substantial cash into a property purchase. With the right lender and the right structure, leverage can become a powerful tool for capital efficiency.