Enness arranged a circa £1.7M mortgage at approximately 85% LTV for a high-net-worth client with complex international income and a fixed completion deadline.

• Client: International high-net-worth client based in the UK
• Challenge: Fixed completion deadline combined with complex income and high loan-to-value borrowing
• Loan Amount: Circa £1.7M mortgage at approximately 85% LTV

An international high-net-worth client based in the UK approached Enness seeking finance for the acquisition of a prime London residential property. The transaction carried one significant challenge from the outset: a fixed completion date with no flexibility for delay. The financing solution needed to be structured, approved, and completed within a highly compressed timeframe.

The client had a strong financial profile, supported by a long employment history, substantial earnings, and a well-established professional career. However, the income structure introduced complexity. A significant proportion of annual earnings was derived from variable compensation denominated in US dollars and paid through an international employment structure. While this income was well established, the timing of receipt created complications during the mortgage application process.

For many mainstream lenders, this combination of complex international income and a fixed completion deadline would present significant challenges. Conventional underwriting often struggles to accommodate non-standard income structures, particularly where timelines are compressed and there is limited room for delay.

Enness approached the transaction with two clear priorities: identifying a lender comfortable with the client’s income profile and securing a lender capable of delivering within the required timeframe. This significantly narrowed the pool of viable lending partners.

A private banking lender with experience in high-net-worth and internationally structured income was introduced. The lender took a holistic view of the client’s financial position, assessing overall earnings, liquidity, and long-term repayment capacity rather than relying solely on standard affordability metrics.

A bespoke mortgage facility of circa £1.7M was arranged at approximately 85% loan-to-value. The structure combined interest-only and repayment elements, providing an efficient balance between monthly affordability and long-term capital reduction. This ensured the financing aligned with both the client’s immediate cash flow requirements and longer-term financial planning.

Through careful structuring and close coordination between all parties, the mortgage offer was secured within the required timeframe and completion took place as scheduled.

This case demonstrates the importance of specialist structuring in time-sensitive transactions involving complex income profiles. Where execution timing and lender selection are critical, the right financing partner can make the difference between a successful completion and a failed transaction.