Monaco, a tiny sovereign state situated on the French Riviera, is often described as a “billionaires’ playground” for good reason. As well as being famous for the annual Formula One Grand Prix, the glamour of the Monte-Carlo Casino and home to some of the largest superyachts in the world, Monaco is also known for being home to the most expensive real estate on the planet. Property prices aside, Monaco has a unique real estate and financing system. Things move fast and those who are not accustomed to the way things work here can be taken by surprise. Transactions are often carried out before properties even come onto the open market, for example. And given real estate prices are so high, the traditional methods for financing property purchases in France and the surrounding areas are often rewritten in Monaco. At Enness, we work with some of the leading experts in the Monaco real estate and finance fields. From our office in Fontvieille, the Enness team assists clients to the best possible deal from a range of best-in-class providers.

France is one of the most popular property markets for foreign nationals: we are all aware of the chic appeal of Paris, the enduring allure of the Riviera in the summer or the freshness of the mountains in winter. However, buying a property in France, especially as a foreign national or non-resident is particularly difficult. France’s legal and financial systems are unique. Culture and customs are often a learning curve. Here at Enness, we are lucky to work with many of the leading experts in the French market: real estate agents, search agents, notaries, and developers. Together, we cover every aspect of the French property market and the buying process.

The London property market is on fire at the moment, and we are pretty sure it will roar on for the next few years. Easy access to finance in London, the overall security of the UK and the strength of the country’s legal system all have enduring pulling power. London remains a lifestyle destination. At Enness, we believe that buyers should be armed with extensive knowledge before making a property purchase. Having a clear grasp of the factors you need to consider before you buy, who you need to ask for advice and how your situation will change after you have bought is key to successful and stress-free property ownership. In this guide, we lay out some of the factors you will find useful to consider before purchasing a property in London.

Are you dreaming of the luxurious lifestyle of Monaco? "How to Move to Monaco: A Comprehensive Guide" by William Jones is your definitive roadmap to making that dream a reality. This engaging and informative guide is tailored for adult travelers looking to navigate the intricacies of relocating to one of the world's most glamorous and exclusive destinations. Inside this comprehensive guide, you'll find: A Warm Welcome: Begin your journey with a preface that sets the stage for your exciting transition, and an introduction that outlines the unique allure of Monaco. In-Depth Insights: Explore over 30 chapters covering every aspect of life in Monaco. From understanding the principality's history and culture to mastering its real estate market, you'll gain the knowledge and confidence needed to make informed decisions. Practical Advice: Learn about residency requirements, visa procedures, and how to manage your finances and tax obligations. Discover the healthcare system, educational facilities, and everyday essentials like grocery shopping and utilities. Lifestyle and Leisure: Dive into Monaco's vibrant arts, culture, and entertainment scene. Find out where to dine, shop, and unwind, and get tips on social integration and networking. Beyond Monaco: Plan your travels with tips on exploring beyond Monaco's borders and making the most of your location in the heart of Europe. Helpful Highlights: Each chapter is designed to be engaging and accessible, with practical tips and resources that you can refer to again and again. Whether you're seeking the perfect place to retire, looking to establish a business, or simply yearning for a change of scenery, "How to Move to Monaco: A Comprehensive Guide" is your indispensable companion. With detailed information, practical advice, and a touch of inspiration, this book will help you navigate the exciting journey of moving to Monaco with ease and confidence. Start your new life in Monaco with the guidance of an expert and the enthusiasm of a traveler. Your adventure awaits!

Ten years ago, Janine Marsh decided to leave her corporate life behind to fix up a run-down barn in northern France. This is the true story of her rollercoaster ride.

Corporate finance comes in many shapes and forms. You can use it to unlock capital to grow your business, buy commercial property, purchase high-value business assets, or simply to access cash to overcome short-term liquidity challenges. Enness Global specialise in small and mid-cap companies that are looking to raise between £5–100m. Depending on the size of your firm and the type of business you run, various options will be available to you. Corporate finance is a broad term that encompasses everything from stock finance, commercial property finance, bridging finance, VAT finance, invoice finance all the way through to working capital finance, trade finance and entrepreneur finance. Although there are many financing mediums, accessing such finance solutions can be challenging, especially if you have an unusual scenario, a business that is considered “niche” in some way, or if you want to borrow a significant amount. A broker like Enness will be instrumental in helping you go straight to the source of the best corporate finance and present your case in a compelling way to lenders.

Michael Fingleton was an Irish banking legend, the ultimate big money lender. He took Irish Nationwide Building Society from an obscure mortgage provider to a multi-billion euro property-lending casino, leaving the taxpayer to pick up the tab for €5.4 billion when the society eventually went bust. Fingleton earned over €2 million per year and built up a pension fund worth €27 million. But it was his loans to a small group of property developers and the way the society was mismanaged, under the nose of the Financial Regulator that cost Irish citizens so dearly. In Fingers, Tom Lyons and Richard Curran use previously unpublished material to blow open the failings of the society's internal systems and controls, its culture and the dominance of one man. They get inside the organisation and bring startling new revelations about how money was really lent out to a small group of developers, how INBS failed, and what the Financial Regulators knew. Fingers explores: - Fingleton's connections with politics, the media and the powerful - How the society wasn't just a lender but became a player, taking stakes and shares in the profits of the ventures it bankrolled - How Fingleton quaffed vintage wine in the finest restaurants, stayed in five-star hotels and put it all on the society's tab - How ordinary borrowers in arrears were treated ruthlessly, while the mega-rich walked away owing billions to us. Fingers goes to the heart of the state's failure to hold anybody to account for the Irish financial crash. It highlights the need for a proper banking inquiry to explain to the public what went wrong, how, and who is to blame.

Bridging finance comes in many shapes and forms. You can take advantage of bridging finance if: You have complex or low income A significant portion of your wealth is tied up in assets like property You know banks and mainstream lenders won’t want to lend for the project you want to explore You have an ambitious project and aggressive plans The opportunity you wish to pursue requires significant borrowing The relatively short-term nature of bridging finance can be challenging, requiring experience, contacts and negotiating skills to secure the best possible terms with as much flexibility as possible. Extremely competitive interest rates, staged funding release to save on interest and utilising assets and income as security are vital elements of bridging finance deals. We excel in these areas as well as pre-arranging cheaper traditional refinancing of bridging loans at the end of the term.

Securities-based lending provides ready access to capital. From purchasing a property, buying assets, investing in stocks or growing a business, you can use securities-backed lending (also known as Lombard loans) for various purposes. Securities-based lending can be an exceptionally useful tool for creating liquidity quickly. As well as more “traditional” Lombard loans against a diverse portfolio of liquid, listed securities, Enness can also broker more unusual deals. This includes sourcing and negotiating loans against unlisted stocks, single stocks and pre-IPO loans. Lenders in this space provide funding while using the securities available to a borrower. These loans are typically used to access liquidity quickly, allowing investors to take advantage of time-sensitive opportunities. Building up a representative portfolio to gain access to this lending space change can be challenging. Enness has a proven track record in acting in clients’ best interests and negotiating the best outcome on their behalf.

The UK is home to one of the most liquid, competitive, and complicated mortgage markets in the world. There are hundreds of mortgage providers who lend in the UK, from major international banks to niche building societies and alternative lenders. Each lender has their own specialisation and position in the market where they excel. They also have lending criteria, interest rates, processes and oddities which are specific to them. The UK has a considerable number of lending channels. There are regulated mortgages, unregulated mortgages, buy-to-let finance, bridging finance, commercial mortgages and more. It’s easy to see why the lending market is so complicated. The UK’s finance options are plentiful. There are huge pools of liquidity (some of it incredibly cheap) and you can enjoy flexible lending terms. If you are a foreign national, expat, a high-net-worth individual, are self-employed, have significant assets but relatively low taxable income or anything in between, the UK mortgage market will have an option for you.