London Mortgage For Foreign National Living In USA With Property Portfolio Income

London Mortgage For Off Plan Riverside Property For Non-UK Citizen Living In USA With Complex Income

Area
London
Capital Raised
£500K

Non-UK nationals may face additional income stress-testing when looking for mortgage finance on UK property. You need to access an expat lender who will take a flexible view.

The Scenario

Our client is a 64-year-old dual-nationality Irish-American, living in San Francisco, with a profitable mixed property portfolio in California (four apartments and six commercial units) earning an income of £800K+ a year.

She was looking to buy off-plan a £750K riverside apartment on the Thames to use as a home base in London. (She also owns homes in Ireland and Spain.)

The issues in accessing mortgage lending were her age and unearned income, and the fact that expat mortgage lenders are often unwilling to consider income from rented residential properties – because of the risk of voids.

The Solution

We found a mortgage lender with a good track record of working with non UK citizens, who was willing to give our client a 15-year mortgage. They were persuaded to consider the income on unencumbered rented-out residential properties.

Four apartments were mortgage-free, with income records that satisfied the lender’s stress testing.

With an offer agreed our client was ready to put down the deposit on her luxurious riverside bolt-hole.

In a similar situation? Please call our team on 0203 900 4322 or book a callback into our diary at a time that suits you.

Alex Morris

Private Client Adviser

Bristol

0117 332 5061

Do you need help sourcing your own property finance?

I have extensive experience securing UK mortgages for clients. Book a free telephone consultation with me at a time to suit you 

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Scott Dutfield

Finance Broker

Cardiff

0117 959 5094

Are you looking for a similar type of property finance?

As a specialist bridging adviser at Clifton Private Finance, I can take a holistic view of your situation and find the right finance solution for you. Book a free telephone consultation with me at a time to suit you

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Carly Cheeseman

Head of International

Bristol

0117 457 9922

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I have extensive experience securing UK mortgages for clients. Book a free telephone consultation with me at a time to suit you.

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Nick Kerley

Finance Broker

Cardiff

0117 959 5094

Are you looking for a similar type of property finance?

As a specialist bridging adviser at Clifton Private Finance, I can take a holistic view of your situation and find the right finance solution for you. Book a free telephone consultation with me at a time to suit you.

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Louis Levine

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Bristol

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Sam Baker

Finance Broker

Cardiff

0117 959 5094

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As a specialist bridging adviser at Clifton Private Finance, I can take a holistic view of your situation and find the right finance solution for you. Book a free telephone consultation with me at a time to suit you 

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Fergus Allen

Senior Finance Broker

Cardiff

0117 959 5094

Are you in a similar situation? I specialise in bridging finance at Clifton Private Finance - I will find you the best funding solution for your property transaction.

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Jacob Phipps

Finance Broker

Bristol

(+44) 0117 959 5094

Are you looking for a similar type of property finance?

I specialize in helping international clients source residential and investment property finance for UK property. Book a free telephone consultation with me at a time to suit you 

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Jack Spillane

Finance Broker

Bristol

0117 959 5094

Is your situation similar to this? I specialise in helping clients who need creative development finance solutions, and second-charge mortgages. Give me a call any time and we can set up a detailed discussion of the finance you need. customDatabaseField-8455

Mathew Phillips

Senior Finance Broker

Bristol

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Alex Chambers

Senior Private Client Adviser

Bristol

0117 403 4324

Are you in a similar situation? I am a specialist in residential and investment property finance for UK and international clients at Clifton Private Finance. Please don't hesitate to get in touch for a no-cost discussion of the finance you need.

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Luther Yeates

Senior Finance Broker

Bristol

0117 244 5561

Are you looking for a similar type of property finance?

I have extensive experience finding residential and investment property finance for UK and international clients. Book a free telephone consultation with me at a time to suit you.

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Sam ONeill

Senior Finance Broker

Bristol

0117 959 5094

Is your situation similar?

I am a bridging finance specialist at Clifton Private Finance. I can find a quick, cost-effective solution for the funding you're looking for. Book a free telephone consultation with me at a time to suit you.

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