{"id":30028,"date":"2026-01-07T23:29:54","date_gmt":"2026-01-07T15:29:54","guid":{"rendered":"https:\/\/www.articusfinance.com\/?p=30028"},"modified":"2026-08-21T09:46:29","modified_gmt":"2026-08-21T01:46:29","slug":"1-6m-remortgage-for-expat","status":"publish","type":"post","link":"https:\/\/www.articusfinance.com\/sg\/case-studies\/1-6m-remortgage-for-expat","title":{"rendered":"Arranging a \u00a31.6m Expat BTL Remortgage for a UK Property Owner Based in Saudi Arabia"},"content":{"rendered":"<h3 data-start=\"512\" data-end=\"531\"><strong><span style=\"color: #00424f;\">Client Overview<\/span><\/strong><\/h3>\n<p data-start=\"532\" data-end=\"761\"><span style=\"color: #00424f;\">The client was a UK national living and working in Saudi Arabia, employed in a senior professional role. They owned a high-value residential property in the UK which was let out and was approaching the end of an existing fixed-rate mortgage.<\/span><\/p>\n<p data-start=\"763\" data-end=\"896\"><span style=\"color: #00424f;\">Due to their overseas residency and income structure, the client required specialist advice to secure a suitable remortgage solution. <a href=\"https:\/\/www.articusfinance.com\/sg\/expat-mortgages\"><em><strong>Click here for more information on the different types of services we provide for expats <\/strong><\/em><\/a>\u00a0or <strong><em><a href=\"https:\/\/www.articusfinance.com\/sg\/guides\/expat-foreign-national\">download our expat\/foreign national guide.<\/a><\/em><\/strong><\/span><\/p>\n<p data-start=\"763\" data-end=\"896\"><span style=\"color: #00424f;\">&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8211;<\/span><\/p>\n<h3 data-start=\"903\" data-end=\"920\"><strong><span style=\"color: #00424f;\">The Challenge<\/span><\/strong><\/h3>\n<p data-start=\"921\" data-end=\"1059\"><span style=\"color: #00424f;\">The client needed to remortgage a UK property valued at approximately <strong data-start=\"991\" data-end=\"1007\">\u00a32.4 million<\/strong>, with an existing loan balance of <strong data-start=\"1042\" data-end=\"1058\">\u00a31.6 million<\/strong>.<\/span><\/p>\n<p data-start=\"1061\" data-end=\"1085\"><span style=\"color: #00424f;\">Key challenges included:<\/span><\/p>\n<ul data-start=\"1086\" data-end=\"1353\">\n<li data-start=\"1086\" data-end=\"1135\">\n<p data-start=\"1088\" data-end=\"1135\"><span style=\"color: #00424f;\">Expat status, with income earned overseas<\/span><\/p>\n<\/li>\n<li data-start=\"1136\" data-end=\"1173\">\n<p data-start=\"1138\" data-end=\"1173\"><span style=\"color: #00424f;\">Income paid in a foreign currency<\/span><\/p>\n<\/li>\n<li data-start=\"1174\" data-end=\"1219\">\n<p data-start=\"1176\" data-end=\"1219\"><span style=\"color: #00424f;\">\u00a31m+ loan size<\/span><\/p>\n<\/li>\n<li data-start=\"1220\" data-end=\"1286\">\n<p data-start=\"1222\" data-end=\"1286\"><span style=\"color: #00424f;\">A requirement for a competitive rate despite the loan size<\/span><\/p>\n<\/li>\n<li data-start=\"1287\" data-end=\"1353\">\n<p data-start=\"1289\" data-end=\"1353\"><span style=\"color: #00424f;\">The need for a smooth, well-managed process while based abroad<\/span><\/p>\n<\/li>\n<\/ul>\n<p><span style=\"color: #00424f;\">If you&#8217;re looking for a \u00a31m+ mortgage, our <a href=\"https:\/\/www.articusfinance.com\/sg\/guides\/high-net-worth-mortgage-guide\"><em><strong>high-net-worth mortgage guide<\/strong><\/em><\/a> provides you with the tips, insights and guidance.<\/span><\/p>\n<p data-start=\"1355\" data-end=\"1428\"><span style=\"color: #00424f;\">&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;<\/span><\/p>\n<h3 data-start=\"1435\" data-end=\"1467\"><strong><span style=\"color: #00424f;\">The Articus Finance Approach<\/span><\/strong><\/h3>\n<p data-start=\"1468\" data-end=\"1557\"><span style=\"color: #00424f;\">Articus Finance conducted a detailed assessment of the client\u2019s circumstances, including:<\/span><\/p>\n<ul data-start=\"1558\" data-end=\"1746\">\n<li data-start=\"1558\" data-end=\"1614\">\n<p data-start=\"1560\" data-end=\"1614\"><span style=\"color: #00424f;\">Overseas employment contract and income verification<\/span><\/p>\n<\/li>\n<li data-start=\"1615\" data-end=\"1668\">\n<p data-start=\"1617\" data-end=\"1668\"><span style=\"color: #00424f;\">Currency considerations and lender stress testing<\/span><\/p>\n<\/li>\n<li data-start=\"1669\" data-end=\"1709\">\n<p data-start=\"1671\" data-end=\"1709\"><span style=\"color: #00424f;\">UK credit profile and asset position<\/span><\/p>\n<\/li>\n<li data-start=\"1710\" data-end=\"1746\">\n<p data-start=\"1712\" data-end=\"1746\"><span style=\"color: #00424f;\">Long-term plans for the property<\/span><\/p>\n<\/li>\n<\/ul>\n<p data-start=\"1748\" data-end=\"1938\"><span style=\"color: #00424f;\">We identified a shortlist of specialist expat mortgage lenders with experience supporting clients based in the Middle East and advised on the most preferable for the client situation.\u00a0<\/span><\/p>\n<p data-start=\"1748\" data-end=\"1938\"><span style=\"color: #00424f;\">&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;-<\/span><\/p>\n<h3 data-start=\"1945\" data-end=\"1961\"><strong><span style=\"color: #00424f;\">The Solution<\/span><\/strong><\/h3>\n<p data-start=\"1962\" data-end=\"2000\"><span style=\"color: #00424f;\">Articus Finance successfully arranged:<\/span><\/p>\n<ul data-start=\"2001\" data-end=\"2260\">\n<li data-start=\"2001\" data-end=\"2065\">\n<p data-start=\"2003\" data-end=\"2065\"><span style=\"color: #00424f;\">A \u00a31.6 million expat remortgage with a specialist lender<\/span><\/p>\n<\/li>\n<li data-start=\"2066\" data-end=\"2131\">\n<p data-start=\"2068\" data-end=\"2131\"><span style=\"color: #00424f;\">A competitive fixed-rate product to provide payment certainty<\/span><\/p>\n<\/li>\n<li data-start=\"2132\" data-end=\"2196\">\n<p data-start=\"2134\" data-end=\"2196\"><span style=\"color: #00424f;\">Flexible terms aligned with the client\u2019s overseas employment<\/span><\/p>\n<\/li>\n<li data-start=\"2197\" data-end=\"2260\">\n<p data-start=\"2199\" data-end=\"2260\"><span style=\"color: #00424f;\">A streamlined process managed remotely from start to finish<\/span><\/p>\n<\/li>\n<\/ul>\n<p data-start=\"2262\" data-end=\"2406\"><span style=\"color: #00424f;\">The lender was comfortable with both the client\u2019s location and income structure, allowing the remortgage to complete without unnecessary delays.<\/span><\/p>\n<p data-start=\"2262\" data-end=\"2406\"><span style=\"color: #00424f;\">&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8211;<\/span><\/p>\n<p data-start=\"2262\" data-end=\"2406\"><strong><span style=\"color: #00424f;\">The Result<\/span><\/strong><\/p>\n<ul data-start=\"2428\" data-end=\"2675\">\n<li data-start=\"2428\" data-end=\"2491\">\n<p data-start=\"2430\" data-end=\"2491\"><span style=\"color: #00424f;\">Successful completion ahead of the existing mortgage expiry<\/span><\/p>\n<\/li>\n<li data-start=\"2492\" data-end=\"2540\">\n<p data-start=\"2494\" data-end=\"2540\"><span style=\"color: #00424f;\">Improved rate certainty in a changing market<\/span><\/p>\n<\/li>\n<li data-start=\"2541\" data-end=\"2603\">\n<p data-start=\"2543\" data-end=\"2603\"><span style=\"color: #00424f;\">Minimal disruption despite the client being based overseas<\/span><\/p>\n<\/li>\n<li data-start=\"2604\" data-end=\"2675\">\n<p data-start=\"2606\" data-end=\"2675\"><span style=\"color: #00424f;\">A clear long-term mortgage strategy aligned with the client\u2019s plans\u00a0 Are you an expat looking to discuss a case? <em><strong><a href=\"https:\/\/www.articusfinance.com\/sg\/contact\">Get in touch with one of our brokers today.<\/a><\/strong><\/em><\/span><\/p>\n<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Client Overview The client was a UK national living and working in Saudi Arabia, employed in a senior professional role. They owned a high-value residential property in the UK which was let out and was approaching the end of an existing fixed-rate mortgage. Due to their overseas residency and income structure, the client required specialist [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":21770,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","footnotes":""},"categories":[69],"tags":[],"class_list":["post-30028","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-case-studies"],"acf":[],"meta_box":{"guide_title":"FOREIGN NATIONAL AND EXPAT GUIDE","guide_cover_img":{"width":150,"height":150,"file":"2022\/12\/expat-and-foreign-national-cover-compressor-1.jpg","filesize":29761,"sizes":{"medium":{"file":"expat-and-foreign-national-cover-compressor-1-212x300.jpg","width":212,"height":300,"mime-type":"image\/jpeg","filesize":7116,"url":"https:\/\/www.articusfinance.com\/wp-content\/uploads\/2022\/12\/expat-and-foreign-national-cover-compressor-1-212x300.jpg"},"thumbnail":{"file":"expat-and-foreign-national-cover-compressor-1-150x150.jpg","width":150,"height":150,"mime-type":"image\/jpeg","filesize":3405,"url":"https:\/\/www.articusfinance.com\/wp-content\/uploads\/2022\/12\/expat-and-foreign-national-cover-compressor-1-150x150.jpg"}},"image_meta":{"aperture":"0","credit":"","camera":"","caption":"","created_timestamp":"0","copyright":"","focal_length":"0","iso":"0","shutter_speed":"0","title":"","orientation":"0","keywords":[]},"ID":"660","name":"expat-and-foreign-national-cover-compressor-1.jpg","path":"\/home\/articusf\/public_html\/wp-content\/uploads\/2022\/12\/expat-and-foreign-national-cover-compressor-1.jpg","url":"https:\/\/www.articusfinance.com\/wp-content\/uploads\/2022\/12\/expat-and-foreign-national-cover-compressor-1-150x150.jpg","full_url":"https:\/\/www.articusfinance.com\/wp-content\/uploads\/2022\/12\/expat-and-foreign-national-cover-compressor-1.jpg","title":"Expat and Foreign National Guide","caption":"","description":"","alt":"commercial property mortgage for US citizen","srcset":false},"guide-popup":"https:\/\/www.articusfinance.com\/guides\/expat-foreign-national"},"_links":{"self":[{"href":"https:\/\/www.articusfinance.com\/sg\/wp-json\/wp\/v2\/posts\/30028","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.articusfinance.com\/sg\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.articusfinance.com\/sg\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.articusfinance.com\/sg\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/www.articusfinance.com\/sg\/wp-json\/wp\/v2\/comments?post=30028"}],"version-history":[{"count":8,"href":"https:\/\/www.articusfinance.com\/sg\/wp-json\/wp\/v2\/posts\/30028\/revisions"}],"predecessor-version":[{"id":33357,"href":"https:\/\/www.articusfinance.com\/sg\/wp-json\/wp\/v2\/posts\/30028\/revisions\/33357"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.articusfinance.com\/sg\/wp-json\/wp\/v2\/media\/21770"}],"wp:attachment":[{"href":"https:\/\/www.articusfinance.com\/sg\/wp-json\/wp\/v2\/media?parent=30028"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.articusfinance.com\/sg\/wp-json\/wp\/v2\/categories?post=30028"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.articusfinance.com\/sg\/wp-json\/wp\/v2\/tags?post=30028"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}