We are a Specialist High Net Worth Mortgage Broker

We are a privately owned and completely independent high net worth mortgage broker.

We specialise in arranging mortgage loans for individuals from both the UK and overseas who are either purchasing or refinancing residential or commercial property.

We pride ourselves on working with every lender who lends against UK property – these range from the High Street Lenders, Specialist Banks, Private Banks, Overseas Lenders, to Independent Funds. Our reach is unparalleled – meaning that we are able to arrange the best lending terms for practically every set of circumstances.

We will find you the right mortgage with minimum fuss. We will be transparent on fees, honest with our advice and incredibly efficient.

We work with every lender who lends against UK property and our team covers every area of property finance – given this range and specialism we should be able to offer assistance with any property related requirement. Here are a few examples:

  • We specialise in large mortgage lending and our niche is helping individuals borrow over a million pounds.
  • We can arrange the cheapest possible residential mortgage for your main or second home.
  • We can help if you are an employee, a sole-trader, a partner of a law firm, a director of a firm, or have international or non-standard income.
  • We can arrange finance if you are a UK national, UK non-dom, a foreign national overseas or an ex-pat if you are looking for a mortgage in London or anywhere in the UK
  • We can untangle the most complicated income structure and present it to a lender in the best possible light.
  • We can finance your first Buy To Let or re-structure a sophisticated property portfolio.
  • We can arrange lending to trusts, partnerships, commercial vehicles or other specialised structures.
  • We can help finance building your first home, developing a new block of flats, or even an exclusive residential development.
  • We can help you purchase a commercial unit to either work from or for investment purposes – this could be anywhere – from the suburbs to Bond Street.
  • We can arrange short term bridging finance to help you buy before selling your existing property or for buying at auction.
  • We can arrange finance when the mainstream lenders can’t help.
  • We can protect you, your family or your business against unpredictable events which can affect your circumstances or future plans.
  • We can help to insure your main home, buy-to-let portfolio, property development and all other assets.

We work our of our offices on the corner of Grosvenor Square in Mayfair, London. You are welcome to speak with us here, over the telephone or by email at a time to suit you.

The importance of receiving the correct advice in the current economic environment cannot be understated, especially for high net worth individuals. Here are some of the reasons:

The property market is at it’s most competitive since the pre-crash years. This means the pressure to look like a ‘good buyer’ and to act quickly are really important.

The whole industry is about to go through significant regulatory changes which will affect how products are recommended and arranged – there are some key changes for those defined as ‘high net worth’

Affordability, interest-only, and ‘high-risk’ are scrutinised by lenders more than ever. How your application is assessed can be very subjective – the presentation is in some cases as important as the facts.

The mainstream and accessible market is dominated by the ‘Big 5′ High Street banks. However, there are a growing number of new lenders, building societies, offshore and international banks which can offer better solutions especially for high net worth individuals. These are options you will not be exposed to on comparison sites.

Best High Net Worth Mortgage Broker in London

We specialise in arranging large mortgages for high net worth individuals both residential and commercial property in the UK.

Our clients are based all over the world and are from all walks of professional life.

If you are looking for the cheapest terms available – we can help. If your requirement is very complex and you can’t find a lender – we can help. If you want a complete service, flexible to your requirements – we can help.

Our lenders range from those that you find on the high street, challenger banks to the major global investment banks from the Channel Islands,  Europe or the States, to banks from the Middle and Far East and Africa.

The fact that we have access to every lender who lends against UK property means we can source the cheapest possible interest rate or a solution to the most complex structure or requirements. Every week we’re placing mortgages ranging from £500,000 up to millions of pounds. These larger sums can deliver considerably better value when lenders can see they’re working with proven people with strong financial profiles.

Why Choose Us To Help You?

If you are looking for a mortgage broker in London you should choose us. Our brokers are dedicated to ensuring that they are at the forefront of the market and this means they understand all of the challenges and opportunities these changes present. They also value the importance of transparency, accuracy and the timely delivery of mortgage solutions. We have a back book of thousands of satisfied clients..

Enness is built upon accommodating the needs of our clients. We will work when you need us to, in line with your schedule. This includes everything from an initial ‘in principle’ conversation at the very start of your planning, right through to calls late on a Sunday evening to ensure your transaction completes in time. We go the extra mile in order to make things happen.

We will seek to understand your circumstances as quickly and as thoroughly as possible – this will allow us to quickly establish the root of your requirements. This step will ensure the advice and products which follow will be as accurately directed towards your needs as they can be.

We will not ‘sell’ you a product – we will show you the best products or structures available. Then we will explain why they are the most appropriate to you and clearly demonstrate the fees, interest charges and costs surrounding this option.

Price is important and our first job will be to arrange the most cost effective solution. That said, we will also show you alternate ways to structure your loan. Proposing other ideas can at times provide other benefits which outweigh any cost saving.

We will be accurate. We will be transparent. We will work to your schedule.

NEW - Download Our 2014 High Net Worth Remortgage Guide

Free guide covering everything from how and why to remortgage right through to fixed rates and the base rate