£1.35 Million Lombard Loan for UK National Living in the US
Securing a £1.35 million Lombard loan for UK national living in the US required careful structuring and specialist private bank engagement. The client, whose wealth was largely invested in equities and global market positions, wanted to leverage portfolio strength rather than liquidating assets. Articus Finance successfully combined a Lombard facility with a tailored mortgage, delivering a complete financing package for the acquisition of a £2 million UK residence.
Introduction
A £1.35 million Lombard loan for UK national living in the US is not a typical lending request. While many international clients hold extensive wealth, conventional banking often fails to recognise portfolio-based assets as security. Our client wished to convert investment value into property access, without heavy deposits or unnecessary liquidations. This case study explores how Articus Finance restructured the profile into a lender-acceptable format, unlocking considerable leverage while preserving financial flexibility.
Client Background
The client was a UK national now residing permanently in the United States, with an established career as an independent trader. Reported income was modest compared to the broader scale of their investments, which were concentrated in a diversified stock portfolio. Wishing to re-establish a base in London, they identified a £2 million property but preferred a funding route that avoided excess personal cash contribution.
- Nationality/Residency: UK national, US resident
- Occupation: Trader with variable income
- Asset Profile: Significant stock and equity holdings
- Property Value: £2 million UK residence
- Objective: Use portfolio as leverage, minimise direct outlay
The Challenge
Arranging a £1.35 million Lombard loan for UK national living in the US presented multiple hurdles. Traditional lenders prioritise consistent earnings over asset wealth, meaning that low declared income can automatically disqualify applicants. Furthermore, the client’s overseas residency added another layer of complexity, as many institutions avoid non-UK domiciled borrowers.
Even where lenders consider Lombard facilities, not all accept global equity portfolios as satisfactory collateral. The transaction also required a hybrid structure: the Lombard loan had to be recognised as part of the deposit before a mortgage could be issued. Coordinating two receptive institutions and building a credible framework demanded specialist market knowledge and private bank credibility.
Our Solution
Articus Finance engaged a solution-oriented strategy supported by our direct private banking network. We negotiated a dual arrangement that balanced asset-backed leverage with practical mortgage funding:
- Lombard Facility: A leading private bank extended a £1.35 million Lombard loan secured against the client’s global equity portfolio, structured with competitive rates and flexible terms.
- Mortgage Approval: A specialist high-value lender was secured to provide an additional £400,000 loan, with the Lombard recognised as acceptable collateral for deposit purposes.
- Cash Protection: The client’s direct cash contribution was capped at £250,000, ensuring liquidity retention while meeting acquisition requirements.
The tailored arrangement gave the client access to the target property without compromising investment positions. Furthermore, a sub-2% interest rate was achieved, reflecting the institutional confidence created by precise presentation and wealth context.
Key Highlights
- Client: UK national, based in the US
- Property: £2 million London residence
- Lombard Loan: £1.35 million
- Mortgage: Complementary £400,000 mortgage facility
- Cash Outlay: Limited to £250,000
- Rate: Mortgage secured below 2%
- Complexity: Low income, overseas residency, non-traditional structure
Why Articus Finance Delivered
This transaction underlines Articus Finance’s capacity to deliver structured and innovative funding in circumstances where conventional lenders fail. Securing a £1.35 million Lombard loan for UK national living in the US required not only private bank access but also the strategic knowledge to align two lending institutions under one coordinated framework.
Our track record with private banks ensured direct conversations with approval-level decision-makers. By presenting the stock portfolio in lender-acceptable terms, we enabled the Lombard loan to double as deposit equity. Simultaneously, our network of mortgage providers unlocked the additional borrowing needed to fully cover the purchase. By delivering speed, discretion, and certainty, we provided an outcome that went beyond client expectation—reinforcing our role as trusted advisers for international high-net-worth borrowers.
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Final Thoughts
This case demonstrates how a £1.35 million Lombard loan for UK national living in the US can be delivered seamlessly when handled by experts. Articus Finance successfully integrated asset-based lending with mortgage funding strategies, achieving an outcome that safeguarded client investments while enabling property acquisition. Where other institutions saw limitation, we delivered possibility.