This varies country to country and case to case. While as a general rule French retail banks will be prepared to finance up to 85% of the value of the property for new purchases and up to 75% for equity release, private banks can take a more nuanced approach and finance up to 100% of the purchase price, provided clients are prepared to bring a proportion of their assets over and initiate a new private banking relationship. This is especially relevant to those HNW clients looking to mitigate their wealth tax liability.
Frequently Asked Questions (FAQs)
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We don’t have a maximum, we have been involved in some of the largest private real estate transactions across Europe for quite some time.
As for a minimum, we cant always add value below 1m euros but are always happy to offer guidance no matter the size.
Securing a mortgage is a multistage process and there are many legal and administrative variables which determine how long the process takes – but as a rule, you can expect it to take anything from around one to three months from application to completion at the notary’s office. Your broker at Enness International can discuss the full details of the process on enquiry.
Yes – absolutely. This is a market we are very familiar with, please do not hesitate to get in touch with your questions.
No, not at all. When we say international, we mean international. We have worked with clients all over the globe.
We know that paperwork and filling in forms is a hassle. We will guide you as to what lenders will need to see and the best way to present your case for maximum effect.
We start with a call and a conversation – paperwork can follow.
No – we will try our hardest to find a solution for you, no matter your background or complex finance circumstances.
That’s fine. Depending on your plans, background and country, we can often find a solution – especially if you are able to move assets to a lender. Take a look at our case studies to see how others in your situation have managed to secure fantastic terms with us, despite not having a particularly high income.
As well as financing straightforward property acquisitions, refinance, and equity release, Enness International can aid financing commercial projects – whether it be a casino or hotel, off-plan developments and renovation projects, as well as a host of specialist projects – such as bridging, yacht, or aviation finance.
We work with an extremely diverse range of international lenders – retail banks, private banks, and private lenders – and thus a full spectrum of mortgage products and rate types will be available to you – from fixed to variable, capital repayment to interest-only, and short-term to long-term finance. Your broker at Enness International will show you the full range of what is accessible to you, and ensure you procure the most competitive offering available.
We are able to support clients seeking ‘dry loans’ (where no fresh liquid assets are required to be brought to the lender) for more straightforward cases. For higher loan amounts or for more complex cases, applicants will need to be prepared to carry a portion of their liquid assets over to the new lender. This figure usually lies in the region of 30%-50% of the loan amount, but lower AUM requirements can be secured – your broker at Enness International will ensure you obtain the most competitive terms accessible to you.
Despite certain lenders being reluctant to provide loans to US clients in recent years due to the global reach and influence of the American tax system, we work with lenders who will loan to US clients whether based in the United States, or elsewhere in the world. Due to the international nature of our vast lending panel, Enness International can support you in procuring a mortgage wherever you live, work, or pay tax.