Remortgage for Expat Client Needing a Higher Loan to Value
Arranging a remortgage for expat client needing a higher loan to value requires specialist understanding of cross-border challenges and lenders’ criteria. This case study demonstrates how Articus Finance secured a £316,000 facility at 57.5% LTV for a Dutch and English expat couple, succeeding where another broker’s attempts had previously failed.
Introduction: Remortgage for Expat Client Needing a Higher Loan to Value
Expatriates often face additional complexity when refinancing properties in the UK. Securing sufficient loan-to-value is particularly challenging when dealing with cross-border residency, irregular income, and stricter lender controls. In this case, Articus Finance successfully arranged a remortgage for expat client needing a higher loan to value, achieving more favourable results than a prior broker engagement, while meeting the couple’s strategic property objectives.
Client Background
Our clients, a Dutch national and an English expat currently based in the Netherlands, previously lived in the United Kingdom before relocating for work. They retained ownership of a UK property valued at £550,000 and sought to refinance it as a consumer buy-to-let remortgage.
The couple initially approached another broker to organise lending. However, the broker’s solution fell short, with a lower-than-required loan amount. Dissatisfied and aware that alternatives existed, the clients turned to Articus Finance to secure a higher LTV solution that would enable them to meet their objectives.
- Client: Dutch national and English expat couple
- Property: £550,000 UK home (Buy-to-Let remortgage)
- Loan Secured: £316,000
- LTV: 57.5%
- Challenge: Prior broker unable to meet required loan-to-value
The Challenge
Structuring a remortgage for expat client needing a higher loan to value involves navigating specific barriers:
- Restricted Lending: Expatriates frequently encounter limited mortgage options due to non-UK residency status.
- Prior Broker Shortfalls: Initial application failed to secure the required lending amount.
- Foreign Residency: Living in the Netherlands added complexity with respect to lender appetite and risk tolerance.
- Tight Timelines: Clients sought refinancing within their financial planning deadlines.
These obstacles often result in either lower loan values or unfavourable conditions. A more strategic approach was required to unlock the right outcome.
Our Solution
Articus Finance conducted a complete reassessment of the clients’ borrowing position and objectives. With access to the whole of the market, our brokers investigated suitable lenders with flexible expat policies. Through detailed analysis and bespoke presentation to underwriters, we demonstrated the clients’ financial stability and legitimate investment strategy.
- Identified specialist lenders with broader criteria for expatriates.
- Negotiated terms that increased the loan-to-value beyond what the previous broker had achieved.
- Secured a remortgage of £316,000 on a property valued at £550,000 (57.5% LTV).
- Provided personalised guidance, minimising client involvement and administrative burden.
- Facilitated completion within one month, a contrast to the delays they had experienced previously.
This carefully managed process resulted in a more advantageous mortgage outcome, enabling the couple to continue with their investment plans with greater confidence.
Key Highlights
- Client: Couple residing in the Netherlands, Dutch and English nationals
- Property: £550,000 UK BTL remortgage
- Loan: £316,000
- LTV: 57.5%
- Success: Higher loan-to-value achieved than via previous broker
- Timeline: Completion within one month
Why Articus Finance Delivered
Successfully arranging a remortgage for expat client needing a higher loan to value required expertise in specialist lending markets. Where the previous broker could not reach the required amount, Articus Finance leveraged market breadth and cultivated relationships with lenders more receptive to expatriate profiles. Our firm’s discreet but effective approach ensured the clients saw their objectives realised rapidly.
We apply similar expertise across Expat Mortgages, Foreign National Loans, Private Bank Facilities, Buy-to-Let Solutions, and High Net Worth Lending. Every engagement reflects a strategic, bespoke approach to ensure optimal outcomes for international clients.
Explore Related Insights
- Expat Mortgage Expertise
- Foreign National Mortgage Services
- Buy-to-Let Lending
- Private Banking Options
- High Net Worth Solutions
- Remortgage Strategies
- Explore More Case Studies
- Borrower Guide Library
- FCA Guidance on Mortgage Lending
Final Thoughts
This case illustrates how a remortgage for expat client needing a higher loan to value can be achieved despite initial setbacks. By surpassing a previous broker’s attempts and delivering the right loan amount through specialist lender access, Articus Finance once again demonstrated its ability to solve complex expat mortgage scenarios with discretion, precision and speed.