Successful High Loan-to-Value Mortgage for UAE Resident via Private Bank – £3.23m Secured
Articus Finance secured a £3.23 million high loan-to-value mortgage for a UAE resident and UK citizen through a private bank, achieving a flexible structure that met the client’s complex needs.
Introduction
Securing a high loan to value mortgage for UAE resident clients is consistently regarded as one of the hardest aspects of international property finance. When loan sizes exceed £2m, the options narrow sharply, as mainstream lenders restrict loan-to-value (LTV) ratios. This case study demonstrates how Articus Finance sourced a bespoke 85% LTV mortgage through a private bank for a client relocating from the US to the UAE, bridging liquidity challenges with creativity and precision.
Client Background
The client was a British expat who had recently moved to the UAE after an extended period in the US. With his family planning to return to the UK, he identified a London property valued at £3.8 million to serve as their family home. He intended to fund this through sale proceeds from his US home. However, slow progress in the American sale meant he could only place down a modest deposit immediately. Like many global executives navigating relocation, he found himself asset-rich yet temporarily cash-constrained.
His requirement was clear: secure a high-value residential mortgage with minimal deposit input, while ensuring he had time to release equity from his US property. This demanded a high loan to value mortgage for UAE resident status, which many lenders would decline outright at sums above £2m.
The Challenge in Securing a High Loan to Value Mortgage for UAE Resident
Even for experienced investors, lenders usually cap large mortgages at 65% LTV once facilities surpass £2m. For a property worth £3.8m, this would normally restrict borrowing to under £2.5m – leaving a sizeable deposit gap. The client therefore faced the unattractive choice of either delaying his family’s return to the UK or placing further capital at risk while waiting to sell his US property.
In addition, lenders scrutinise expatriate income carefully, especially when sourced across jurisdictions like the US and UAE. Coupled with the size of the transaction, this presented multiple underwriting risks. Finding a private bank willing to assess the case constructively, and stretch beyond normal LTV limits, was therefore paramount.
Our Solution
Articus Finance leveraged its deep network of private banking partners. We identified a lender with appetite for structuring unconventional arrangements, provided there was a strong medium-term strategy to reduce risk. By demonstrating that proceeds from the US property sale would reduce the loan from 85% to 70% LTV within twelve months, we persuaded the bank to commit.
The mortgage of £3.23 million was agreed at 85% LTV – far above typical limits. Importantly, the terms were framed to allow downward adjustment once liquidity was released from the US, minimising long-term risk while solving the client’s short-term problem. The facility gave the family immediate access to their new home while protecting long-term affordability.
This success underlines the advantage of securing high loan to value mortgage for UAE resident clients via private banks. Flexibility, relationship-based underwriting, and structured negotiations enable outcomes far beyond what mainstream lenders can achieve.
Key Highlights
- Client: UAE resident, UK citizen
- Property Value: £3,800,000
- Loan Amount: £3,230,000
- Loan Type: Residential mortgage via private bank
- LTV: 85% initially, reducing to 70% within twelve months
- Solution: Agreement structured around sale of US property
- Outcome: Secured dream UK residence despite liquidity delays
Why High Loan to Value Mortgages for UAE Residents Are Complex
Securing a high loan to value mortgage for UAE resident expatriates requires more than rate comparison. High-net-worth clients often hold global assets in multiple jurisdictions, creating both opportunity and complexity. Standard lenders typically lack the flexibility to adapt. Private banks, however, evaluate the totality of wealth, investment strategy, and exit plans, making them the natural home for bespoke solutions.
High LTV mortgages can amplify returns and unlock opportunities, but they require careful planning. Without a trusted adviser, borrowers risk punitive pricing, inflexible terms, or outright rejection. Articus Finance ensures not only successful placement but strategic alignment with long-term financial outcomes.
Wider Market Context
UAE residents remain among the most active international buyers of UK property, reflecting both investment and lifestyle appeal. Yet expatriates routinely face tighter restrictions compared with UK residents, particularly when borrowing large sums. Demand for high loan to value mortgage for UAE resident solutions has increased alongside rising global mobility and high-value purchases in London, Surrey, and other prime areas.
In this landscape, brokers with intimate knowledge of private banking criteria enjoy a decisive advantage. Where most banks decline cases, the right negotiation can secure facilities that respect the client’s broader wealth and future liquidity events.
Why Articus Finance Delivered
Articus Finance thrives where details are complex and mainstream lenders falter. Our network of private banks, combined with our discreet understanding of expat profiles, meant we could structure a loan few others could deliver. We aligned the deal to the client’s immediate housing requirement while reducing long-term risk exposure. For a family navigating international relocation, the difference was not simply financial—it was transformational.
Our specialty lies in arranging high loan to value mortgage for UAE resident and other expatriates whose circumstances defy conventional underwriting. By listening, structuring, and negotiating, we consistently unlock solutions beyond the reach of mainstream lending channels.
Explore Related Insights
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- Corporate Debt Financing
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- Asset-Based Lending
- High Net Worth Mortgages
- Financial Conduct Authority (FCA)
Final Thoughts
This case demonstrates that securing a high loan to value mortgage for UAE resident is achievable when approached through the right private bank relationships. By combining innovative structuring with deep lender trust, Articus Finance delivered a £3.23m solution that balanced short-term urgency with long-term sustainability. For clients facing complex expatriate financial circumstances, trusted guidance transforms ambition into reality.
