Enness Global

Enness Global is a high-value international finance and mortgage broker for HNW and UHNW clients, family offices and entrepreneurs. It is not a retail mortgage broker and it is not a direct lender. A public introducer page does not mean WiT Access has an agreement.

A broker may compare multiple lenders. A direct bank offers its own products. A specialist lender may serve a narrower but more complex segment.

Enness Global may be relevant to HNW and UHNW individuals, family offices and entrepreneurs.

Published property-finance markets include the UK, France, Monaco, Spain, Portugal and other major international hubs. Confirm the jurisdiction. This is not every country.

The stated client base is international and globally mobile, at a high-net-worth level. A residence is not accepted for every product.

Residential, investment and complex property finance are described.

Criteria can differ for a home, a second home, an investment, and commercial or development property. Only the purposes named above come from this provider’s published material.

Foreign-currency income is described as strong. Assessment remains case by case.

Salary paid abroad, income in more than one currency, and a loan in a different currency can be stress-tested differently from local income. This page does not set out a lender’s formula. Exchange rates can change the real cost of repayments.

Complex and self-employed income are described as exceptional within this broker’s published work. That is a description of the client type, not a promise that a file will be accepted.

Self-employed applicants, directors, partnership income, rent, bonus or commission, and investment income are separate questions. Ask which of them this provider will put to a lender.

High-value and private-bank finance is the core proposition. No loan size is stated here. Wealth does not by itself secure finance.

A larger loan, a private-bank relationship or assets under management can change the conversation. Assets do not automatically secure finance.

Bridging and other specialist finance are described as strong, alongside securities-backed lending. Development and commercial property are not named as separate products in the material used here.

Bridging is short-term funding and needs an exit. Development funds construction or a substantial rebuild. Commercial finance is secured on business or investment property. Refinance replaces or restructures existing debt. Only the items named for this provider are taken from its published material.

This is a broker of bespoke finance, including private-bank routes. It is not a bank lending its own mortgage products.

Fees depend on the case. Request them in writing before proceeding. This page does not state a rate, a fee or a loan-to-value.

Costs can include a broker fee, a lender arrangement fee, valuation, legal fees, bank administration, mortgage registration, bridging interest, an exit or commitment fee, currency conversion and insurance where it is required. Request a written fee schedule and illustration before proceeding.

• Identity

  Passport or other identification.

• Residence

  Evidence of address and of where you currently live.

• Income

  Payslips, company accounts, tax returns or investment income, depending on the case.

• Assets

  Bank or investment statements, particularly for high-value or private-bank cases.

• Property

  Purchase documents, a valuation and information about the property.

• Source of funds

  Where the deposit came from, and the wider financial background.

• Existing debt

  Other mortgages and liabilities.

Exact requirements vary by lender, property and jurisdiction. WiT Access does not collect these documents.