Entrepreneur, Founder, CEO & UHNW Broker.

European property finance.

I am Islay Robinson, CEO and Founder of Enness Global. I work on European property transactions where the borrower, property and source of wealth span different countries, with the Enness team and local professional advisers.

Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

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Islay
Robinson.

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A personal approach to cross-border borrowing.

A property purchase in France can raise different financing questions from a purchase in Spain or Switzerland. The borrower’s residence, income currency, ownership structure and the property itself all need to be considered in the relevant market.

My involvement focuses on the parts of a transaction that need coordination: understanding the client’s wider position, identifying an appropriate lender and working with legal and tax advisers on the proposed structure. Those advisers provide the local legal and tax advice.

My work includes transactions in France, Monaco, Italy, Spain, Portugal and Switzerland. Availability depends on the particular country, property and borrower; a lender’s willingness to lend in one market does not establish what it will do in another.

Read the €1.26 million French mortgage case for an example of how income structure can affect a property purchase. Past cases are illustrations, not offers.

For country and service information, visit international mortgages at Enness Global.

How I approach a European property case

The work starts with the jurisdiction and the client’s circumstances, then brings the lender and professional advisers into the same process.

  1. 01

    Start with the country and property

    I establish the property location, planned use, ownership and timetable, alongside the client’s residence and wider financial position.
  2. 02

    Review income and currency

    With the Enness team, I assess how income, assets and existing borrowing are held and which currencies are involved.
  3. 03

    Coordinate with local advisers

    Legal and tax advisers assess the proposed ownership and local requirements. Their advice informs the financing approach.
  4. 04

    Compare suitable lenders

    We assess lenders operating in the relevant market and compare the structure, conditions, costs and documentation they require.
  5. 05

    Manage the application

    We coordinate evidence, valuation and underwriting enquiries with the lender and advisers. The lender makes its own credit decision.
  6. 06

    Plan for completion

    The lender and local legal professionals confirm when conditions are satisfied and funds can be released. The process and timetable vary by jurisdiction.

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Case Studies

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Frequently Asked Questions

Yes. Islay is personally involved in selected European property transactions where international income, ownership or lender coordination needs attention. He works with the Enness team and the client’s professional advisers; the financing is arranged through Enness.

His work includes France, Monaco, Italy, Spain, Portugal and Switzerland. The property location is only a starting point: residency, income, ownership and current lender appetite determine whether a particular case can be considered. Availability is assessed individually.

No. Lender criteria, documentation, legal security and completion processes vary by country. Currency differences can also affect affordability and repayment costs. Local legal and tax advisers should assess the proposed ownership and transaction before commitments are made.

Send the country and property location, purchase price or estimated value, approximate borrowing requirement, residence, income currency, intended ownership and timetable. Identify any local legal or tax advisers already involved. We can then establish the information needed to assess lender options.

Discuss a European property transaction

Send the country, property location, approximate value and borrowing requirement, your residence, income currency and intended timetable.

I will help establish whether the case calls for my personal involvement or a specialist colleague at Enness. Fees and any commission arrangements are explained before you proceed.

Contact me

Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

Finance is arranged through Enness Global, a trading name of Enness Limited, a credit broker and protection intermediary, not a lender. Enness Limited is authorised and regulated by the Financial Conduct Authority, reference 565120. Registered at 64 North Row, London, W1K 7DA. Company number 07760090. Some products and services are regulated and some are not; this is confirmed before you proceed. The information on this page is general information, not personal advice. Terms depend on status, valuation and lender criteria.