Entrepreneur, Founder, CEO & UHNW Broker.

Large and complex UK mortgages.

I am Islay Robinson, CEO and Founder of Enness Global. I work with the Enness team on large UK mortgages where complex income, international circumstances or property ownership require individual attention.

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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The UK mortgage cases I take on personally.

Much of my work centres on London and the Home Counties, while the people I advise often live, earn or hold assets internationally. The difficulty is frequently how to present the borrower’s full position to a lender.

I become involved where income from a business, carried interest, bonuses or investments needs careful explanation, or where a company or trust owns the property. I work alongside the client’s existing advisers and the Enness team on lender selection, the structure and the practical steps to completion.

My starting point is the proposed purchase or refinance, the source of repayment and the evidence available. Substantial wealth does not by itself establish that a mortgage is affordable.

Read the £2 million prepaid mortgage case. It illustrates one approach to a particular borrower’s circumstances; it is not a standard offer.

For the firm’s detailed service information, visit UK mortgages at Enness Global.

How I approach a UK mortgage case

My role is to assess the difficult parts early and work with the Enness team and advisers through the decisions that follow.

  1. 01

    Understand the requirement

    I establish what the client wants to achieve, the property involved, the deadline and where the case needs personal attention.
  2. 02

    Review the financial picture

    The Enness team and I review income, assets, liabilities, ownership and the proposed repayment plan, working with existing advisers where needed.
  3. 03

    Assess lender options

    We identify lenders whose criteria may fit the case and compare the proposed structure, conditions and overall cost.
  4. 04

    Prepare the application

    We organise the evidence and coordinate the application. The lender carries out its own valuation and underwriting and decides whether to make an offer.
  5. 05

    Review the offer and conditions

    We explain the proposed terms and outstanding conditions. The client’s solicitor deals with the legal work, including the lender’s security requirements.
  6. 06

    Coordinate completion

    Funds are released only once the lender and solicitors confirm that their requirements have been met. The timetable depends on the circumstances of the case.

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Frequently Asked Questions

Yes. Islay remains personally involved in large and complex UK mortgage cases alongside his role as CEO and Founder of Enness Global. He works with the Enness team and the client’s existing advisers. The circumstances determine whether his involvement or a specialist colleague is the better fit.

Yes. International residence, foreign income, dividends, bonuses or carried interest can require a more detailed assessment. The available options depend on the evidence, property, ownership and lender criteria. A substantial asset base does not guarantee approval.

There is no single amount or timetable that applies to every case. The lender assesses affordability, security, valuation and the proposed structure. Documentation, underwriting and legal work all affect timing. An initial conversation helps establish the requirements and a realistic next step.

Start with the property location and approximate value, the borrowing requirement, your country of residence, a short explanation of your income and the deadline. If a lender has already declined, include its stated reason. Detailed personal documents can follow through the process agreed with Enness.

Discuss a UK mortgage case

Send the property location, approximate value and borrowing requirement, your residence and income outline, and the completion deadline.

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.