Featured Snippet: Articus Finance arranged a London mortgage for non-UK citizen living in the USA, securing a £1.4 million facility at 77% LTV. The interest-only mortgage was structured with a three-year fixed term through a private bank, matching the client’s relocation goals and market timing.
Introduction
Buying prime property in the UK is a goal shared by many international investors. Yet obtaining finance can be challenging where status, location, and income structures fall outside of traditional lender criteria. This was the case when Articus Finance sourced a London mortgage for non-UK citizen living in the USA. Our solution delivered leverage at 77% LTV, competitive rates, and flexibility aligned with a client looking to settle in London long term.
Client Background
The client was a US national based in Miami with a profitable mixed property portfolio in the United States. His long-term plan was to move with his family to London, purchasing a £1.8 million off-plan riverside apartment to serve as their permanent residence. Being self-employed, with income structured on a day-rate contract just one year old, presented further complexity. He sought an interest-only mortgage exceeding £1 million, optimised with a three-year fixed term to mitigate the impact of anticipated rising interest rates.
The Challenge
While well-resourced financially, the client’s case was far from standard:
- Residency: As a US national living abroad, traditional UK banks imposed severe restrictions.
- Income profile: Self-employed with day-rate contracting, adding volatility to underwriting models.
- Track record: Only one year of contracting history to evidence continuity of income.
- LTV requirement: Sought financing of £1.4 million at 77% LTV, higher than usual for foreign nationals.
- Timing requirements: Needed alignment to complete the off-plan purchase, while capturing favourable borrowing conditions before interest rates spiked.
Conventional lenders would not accommodate such a position. Specialist intervention and bespoke bank engagement were required.
Our Solution
Articus Finance curated a proposal tailored to specialist private banks with demonstrable experience of working with foreign nationals. By presenting the client’s broader wealth profile, evidence of asset diversification, and future relocation plans, we mitigated perceived risks around income and profile.
- Approved loan: £1.4 million interest-only mortgage on a £1.8 million property.
- LTV secured: High leverage at 77% achieved despite non-standard status.
- Tenure: 3-year fixed product aligned with both market expectations and personal strategy.
- Lender: Private bank with appetite for complex, international profiles.
By securing recognition of the client’s asset-backed security and structuring a facility on interest-only terms, liquidity was preserved during their transitional relocation period. Ease of repayment and alignment with future refinancing opportunities were also ensured.
Key Highlights
- Client: US national living in Miami, future London relocation planned.
- Property: £1.8 million riverside apartment in central London.
- Facility: £1.4 million structured on an interest-only basis.
- LTV: 77% loan-to-value negotiated successfully.
- Term: Three-year fixed, mitigating rising interest rates.
- Delivered: Private bank tailored solution beyond high street restrictions.
Why Articus Finance Delivered
Foreign nationals often face compounded hurdles when seeking property financing in the UK: demands for UK-based income, restrictions on loan-to-value, and conservative lender appetites. In this London mortgage for non-UK citizen living in the USA, Articus Finance demonstrated why specialist representation is decisive by:
- Providing access to lenders with proven track record supporting expatriates and international professionals.
- Mitigating risks by showcasing client’s diversified global portfolio and wealth profile.
- Negotiating beyond common thresholds—securing 77% LTV for a foreign national.
- Structuring terms consistent with client lifestyle and market timing.
The case underscores the importance of dedicated relationships with lenders positioned to flex for complex expatriate structures. Without this, access to the London market would have been constrained or unviable.
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Final Thoughts
This London mortgage for non-UK citizen living in the USA highlights Articus Finance’s ability to align global wealth with UK lending frameworks. With specialist advisory and private bank access, we converted offshore profile complexities into a competitive, high-leverage solution that enabled the client to move towards their London relocation with clarity and confidence.