Buy to Let Purchase in London for a Foreign National Living in Hong Kong

Featured Snippet: Articus Finance arranged a buy to let purchase in London for a foreign national living in Hong Kong, securing a £650,000 mortgage at 65% LTV on a £1m property, ensuring smooth approval despite complex self-employed income structure.


Introduction

Securing a buy to let purchase in London for a foreign national living in Hong Kong requires navigating unique challenges, including residency, income structure, and eligibility hurdles. London’s property market continues to attract international investors due to its reputation for stability and long-term capital appreciation. This case study demonstrates how Articus Finance structured a bespoke mortgage solution for a client residing in Hong Kong to successfully acquire a prime London property.

Client Background

Our client, a Hong Kong national and resident, sought to acquire a London property valued at £1 million for investment purposes. As a high-net-worth investor, the purchase was driven by two key motivations:

  • Diversification – moving capital away from Hong Kong into the more stable UK real estate market.
  • Income generation – adding a reliable rental income stream to their global portfolio.

The client required a £650,000 loan, equating to 65% of the property’s value. However, he presented several complexities – namely being self-employed and declaring only a minimal annual income for efficiency, which often restricts access to lending in the UK.

The Challenge

Several difficulties needed to be addressed:

  • Foreign residency – many UK lenders apply stricter terms or decline applications from overseas residents.
  • Self-employment income verification – the client’s declared income was lower than expected, making affordability assessments problematic.
  • Loan to value request – arranging a 65% LTV buy-to-let mortgage for a foreign national requires lenders with flexibility.
  • Tax and compliance checks – extra due diligence around overseas earnings and background processes was required.

Without a specialist broker, aligning this profile with lender expectations could have resulted in rejection or unfavourable loan terms.

Our Solution

Articus Finance utilised a longstanding relationship with a private bank accustomed to dealing with international clients. This partnership enabled us to present the client’s wealth holistically rather than relying solely on simple income multiples:

  • Mortgage arranged at 65% LTV equating to £650,000 funding against the £1 million property.
  • Private bank assessment allowed for a broader view, evaluating the client’s asset base alongside declared income.
  • Simplified application process – our team managed extensive compliance checks, minimising administrative work for the client.
  • Competitive interest rates secured despite overseas residency and unique circumstances.

This approach ensured the client could complete the acquisition seamlessly while benefiting from favourable long-term financing terms.

Key Highlights

  • £1 million property acquisition in London by a Hong Kong national.
  • £650,000 buy-to-let mortgage secured at 65% LTV.
  • Solution tailored for a self-employed client with low declared earnings.
  • Smooth process achieved via private bank partnerships and Articus’ expertise.
  • Client successfully diversified assets and secured a stable UK income stream.

Why Articus Finance Delivered

Arranging a buy to let purchase in London for a foreign national living in Hong Kong required tailored representation with lenders and expertise in structuring bespoke mortgage solutions for international clients. By consolidating our strong lender network and experience with foreign national cases, Articus Finance provided a streamlined process and secured optimal terms for the client. Our discreet, client-first approach ensures that even complex income structures do not restrict opportunities for global investors seeking UK property exposure.

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Final Thoughts

This case illustrates the expertise required to arrange a buy to let purchase in London for a foreign national living in Hong Kong. Articus Finance’s relationships with private banks and specialist lenders enabled us to deliver a bespoke solution, allowing the client to successfully diversify assets into the UK market while achieving competitive financing terms fit for long-term growth.

 

Proven Expertise

Our specialist mortgage brokers based in London are highly experienced in negotiating the best mortgages and mortgage rates, no matter how complex your situation.

With over 20 years’ combined experience sourcing the best mortgage deals for global clients, our brokers have the skills, knowledge, and lender relationships to turn your property aspirations into a reality. To find out how we do it, explore our case studies.

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we find creative solutions for High Net Worth individuals who require financing on their worldwide assets.

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Jennifer Tolhurst

Finance Broker

Jennifer has worked within the property industry since 2011. Since becoming a qualified mortgage broker in 2017, she has built a reputation for her ability to truly understand each client’s unique needs and circumstances. Jennifer provides clear and tailored advice to ensure the best possible results. Her professionalism and commitment are evidenced through her long-standing client relationships.

Henry Wong

Head of Corporate Finance

Henry has amassed over five years of experience in the finance industry, where he has honed his skills in arranging financing facilities for both businesses and individual consumers. At Articus, he leverages his expertise in corporate finance to guide clients in achieving their business objectives, combining a deep understanding of market dynamics with a steadfast commitment to client success. Henry prides himself in problem solving and no deal is too large or complex for him to tackle, he enjoys crafting innovative solutions that drive results. His dedication to his clients is evident in his proactive communication style and his ability to build lasting relationships. Henry holds a degree in Economics from Queen Mary University London and outside of work, he is a creative within the music industry and is an avid fan of Liverpool FC.

Tafouse Raza

Finance Broker

Tafouse brings expertise from the prime London property market, excelling in client care. Dedicated to exceptional service, Tafouse goes above and beyond to meet your needs. Passionate about rugby, travel, and showjumping, his diverse interests reflect a commitment to excellence in every interaction.

Harry Lart

Mortgage Broker

Harry has over 16 years of experience within the Finance, Housing and Development sector. He started off his career as a CIMA Qualified Chartered Accountant and transitioned over to financial services in 2019. During this time he has dealt with a range of complex financial arrangements from ex pat mortgages to large development loans. Harry has a can do attitude and believes there’s a solution to every situation and will work tirelessly to ensure your deal crosses the line. In his spare time Harry likes to play poker, travel and try new cuisines.

Carolina Barreiros

Marketing Manager

Carolina is a multilingual Marketing Manager originally from Portugal. She specialises in International Marketing and Business, helping organisations expand their brand awareness globally over the last 4 years. Her past work includes supporting start-ups to multinational companies in the UK and across Europe. She is a creative and passionate individual, bringing a fresh perspective to the financial industry and delivering high quality research.

In her spare time, Carolina enjoys socialising & travelling around the world, embracing different cultures and experiences. 

Antonia Grieve

Office Manager

Antonia brings fantastic planning, organisational and time management skills to her role as office manager, ensuring that operations at Articus run smoothly. An experienced administrator with fantastic problem solving skills, Antonia began her career working in medical administration, so she is highly experienced working with confidential client data.

Jack Cuthbert

Finance Broker

Jack comes from a background of delivering great customer service. He has worked in the property industry since 2016 and has solid knowledge of the property market, combined with a good knowledge of the mortgage industry. Jack is CeMap qualified and enjoys looking after his clients and building strong working relationships. Away from work, Jack spends most of his time travelling with friends, playing football and watching Charlton Athletic.

Matthew Currey

Case Manager

Matthew has experience working as a mortgage administrator and assisting with clients of any calibre. His main strength is his ability to develop a close relationship to his brokers and clients, allowing for a smooth transition throughout your mortgage journey, his friendly nature helps in making the process a lot less intimidating than it needs to be. Outside of work Matthew spends his time playing Chess and exploring the world with his Girlfriend.

Danny Doran

Finance Broker

Danny started his career in financial services in 2005. He has developed an ability to build relationships and collaborate for success, through consistent communication, a holistic approach to deal building and an ability to swiftly problem solve. Danny has worked with Private and High Net Worth clients for over a decade and is driven by a strong, natural desire to ensure his clients and their businesses reach their full potential. As a property investor himself, he is well placed and experienced in all things property related. Outside of work, Danny has a keen interest in psychology, the outdoors and travelling.

Theo Osborn

Mortgage Broker

Theo started his journey in the specialist finance industry while working as a journalist at an industry trade magazine. During this time he amassed a great knowledge of mortgages, bridging, development and commercial funding and established a wealth of relationships in the industry. He transferred these skills and now specialises in assisting clients with their specialist finance requirements. Working alongside the CEO, Theo has learnt the nuances of ultra-complex transactions and knows how to most efficiently manage the funding process to completion. Theo aims to achieve the best solution for every client he deals with a particular focus on sourcing funding for developments and refurbishment.

Stefanos Petrou

Mortgage Broker

Stefanos started in financial services in 2013 managing clients across central London. Consistently providing a high level of thorough service. Prioritising communication, research, and innovation in order to meet his clients complex goals. Stefanos strengths lie in maintaining long standing relationships and being by his clients side throughout the process. Outside of work Stefanos enjoys spending time with his friends and family, unless of course Arsenal F.C are playing.

Dino Lazarides

Mortgage Broker

With over 20 years of financial services experience Dino is an accomplished mortgage adviser who relishes the more complex cases, enjoys a challenge and always does everything he can to ensure his clients not only get the result they need but to achieve their property goals.   A fully qualified financial adviser Dino quickly realised that property and mortgages were his passion and over the years gained his experience helping investors build their property portfolios.  When not working Dino enjoys spending time with his family, loves modern and classic performance cars, popular culture, technology, mountain biking and is a supporter of West Ham United.

William Gleeson

Mortgage Broker

William started in financial services 2014 arranging finance for HNW clients and their families. One of his main strengths is building deep, long standing relationships with his clients, which enables him to fully understand their needs and tailor solutions to fit each client individually. William has relationships with a variety of lenders ranging from international private banks to some of the largest lenders within the UK. Outside of work, William enjoys spending time with his young family and is an avid rugby player.

Steven Boyde

Mortgage Broker

Steven started working across London’s property and financial services market in 2007. He specialises in development, bridging and commercial finance and has completed many multi-million transactions. Steven believes in customer focused relationships and has many clients who have been with him for years. Away from work, Steven spends most of his time with his two children and wife, on the golf course or watching Plymouth Argyle.

Samuel Asante

Mortgage Broker

Whether you require access to bespoke funding, or need to fund a project of any scale, Samuel will always find a solution to meet the requirements of any client. No matter how complex your case is, through his innovative and determined nature, he can find a structure to finance a client’s plans. As a trained martial artist, Samuel’s passion and confidence carries over into the workplace, and you can expect a clear and concise transaction journey from start to finish.

Jason Hunt

Mortgage Broker

Jason started in 2012 in financial services working across London’s property and financial services markets for HNW individuals. He is able to construct tailor-made solutions to suit his client’s needs, no matter how complicated. He has completed multi-million pound residential, buy to let and commercial developments across the UK. Jason is a confident and motivated individual whom takes pride in offering an exceptional and professional level of service to all of his clients. Outside of work he enjoys hiking, cycling and traveling the world with his sights set on Base Camp Everest.

Assad Younis

Finance Broker & Head of Securities Lending

Assad prides himself on being open minded and thinking outside the box. Through a personalised approach and consistent communication; Assad’s strong relationships with specialist lenders gives him the ability to reach the ideal outcome for his clients. With a particular strength in dealing with foreign nationals and ex-pats he approaches his clients with a can-do attitude. His attention to detail allows him to actively support his clients and build a long-term relationship by giving a truly tailored approach.  Outside of work, Assad is a keen explorer and foodie, regularly travelling to remote destinations and testing out the local cuisines.

Shyan Zubair

Co-Founder & Managing Director

Shyan is a global businessman with keen commercial acumen and a deep understanding of the UK property market. Following the successful completion of an undergraduate and postgraduate degree in Mathematics from King’s College London, Shyan has held a range of highly strategic roles, with a focus on UK property investment – meaning he is well versed in the world of HNW property finance. Not only is he an experienced UK landlord, he has an impressive history in the world of property trading, and has played a pivotal role in the completion of a number of large scale development projects with values up to £30 million.

Oliver Hines-Lloyd

Co-Founder & CEO

Ollie entered the world of high net worth mortgages after living in Geneva, where he provided tailored financial advice to private clients. This experience shaped his career trajectory, giving him first-hand experience in understanding and communicating the benefits of financial advice – all while developing the ability to build exceptional client relationships. Following this, Ollie moved back to London where he began specialising in mortgages. His drive, ambition and natural flair for anticipating the needs of his clients led him to progress quickly from Client Services to broker, where he honed his skillset after passing his CeMap exams. Outside of work, Ollie is an avid traveller – and an equally keen supporter of his local club, Fulham FC.

Antonio Michael

Co-Founder & CEO

Antonio started in financial services in 2006, arranging and negotiating mortgage finance for some of the UK property market’s most complex transactions. During his career, he has worked at some of the UK’s most prestigious mortgage brokerages, as well as the fast-paced world of currency broking.

As a result, he has a wealth of relevant experience in handling complicated cases, like clients buying properties through trusts. Crucially, Antonio has developed an almost unparalleled network of close industry relationships. This enables him to navigate challenging situations with ease, and he relishes taking on cases that have struggled to progress elsewhere and seeing them through to completion.