High-value and complex property finance for private clients, arranged by a named adviser from first conversation to completion.

Who we are

Enness Global was founded in August 2007, the week Northern Rock failed, on the view that wealthy borrowers with complex circumstances were badly served by a market built for the straightforward. The firm grew through the financial crisis because it served the clients the banks were retreating from, and that remains the work today: finance for people whose income, assets, residency or property do not fit a standard application.

Enness Global arranges finance across more than 1,000 bank and lender relationships, including every major private bank active in the UK, and has arranged over £10 billion of lending since 2007. Clients come from around 80 nationalities a year. The firm is headquartered in Mayfair and has offices in Dubai, Jersey, Zurich, Geneva and Nice, with an active presence in Monaco since 2015. Spear's has described Enness as the most sought after high net worth mortgage broker in London, and the firm won the British Large Mortgage Broker Award in 2017, 2018 and 2020.

Who we act for

Owners and buyers of prime residential property in London, the Home Counties and the international second-home markets. Entrepreneurs, partners and senior executives whose income arrives as profit share, bonus, carried interest or equity rather than salary. Foreign nationals, expatriates and US persons buying or refinancing in the UK. Families and trusts holding property through structures. Investors with substantial assets and modest declared income. Agents, lawyers, wealth managers and family offices who need a case placed for a client.

What we arrange

Large and complex mortgages in the UK and internationally, typically from £1 million. Private bank mortgages, including where the lender does not require assets to be moved. Interest-only and high-value remortgages, including capital raising against prime property. Mortgages on partnership, bonus, equity and other complex income. UK and international bridging finance for purchases, auctions, refurbishment and chain breaks. Development and commercial property finance. Securities-backed and pre-IPO lending. Crypto-backed finance. Finance against art, aircraft, yachts, cars and wine. Listed buildings and unusual property. International property finance in France, Switzerland, Monaco, Spain, Italy, Portugal, the UAE and the Caribbean.

How a case gets done

Every case is run by a named adviser who stays with it to completion. The adviser assesses the client's position and the property, identifies the lender type whose criteria the case fits, and agrees the route and the fee in writing before work starts. The case is then prepared to the lender's standard, so that income, assets and structure are evidenced the way that lender's credit team expects to see them. The adviser manages the application, valuation, underwriting and legal stages, holds the timeline against the client's completion date, and tells the client what will happen next and when. The client supplies documents and decisions; the adviser runs the process.

Where a case can go differently, the adviser says so early: a valuation below the agreed price, a lender condition on assets, a currency discount on overseas income, or a timeline that does not fit the purchase. Each is planned for rather than discovered late.

Working with agents and advisers

Enness Global works alongside estate agents, private client lawyers, accountants, wealth managers and family offices. An introduction can be made at any stage of a transaction, and the adviser reports progress to the introducer as well as the client where the client agrees. Enness Global does not give tax, legal or investment advice and works with the client's own advisers on those points.

Leadership

Islay Robinson, CEO and Founder, Enness Global (islayrobinson.co.uk). Nigel Le Quesne, Chairman. Toby Johncox, Group MD. Neil MacLean-Smith, Chief Operating Officer. Lindsey Sprake, Compliance Director.

Regulatory

Enness Global is a broker, not a lender. Enness Limited, trading as Enness Global, is authorised and regulated by the Financial Conduct Authority, reference 565120, as a credit broker and protection intermediary. Registered office 64 North Row, London W1K 7DA, company number 07760090. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it. Lending is subject to status, valuation and lender criteria.

Contact

64 North Row, Mayfair, London W1K 7DA. +44 (0)203 758 9393. [email protected]. ennessglobal.com