{"id":30637,"date":"2026-02-04T21:29:58","date_gmt":"2026-02-04T13:29:58","guid":{"rendered":"https:\/\/www.articusfinance.com\/?p=30637"},"modified":"2026-04-02T23:20:44","modified_gmt":"2026-04-02T15:20:44","slug":"high-loan-to-value-interest-only-mortgage-for-us-citizen-purchasing-in-the-uk","status":"publish","type":"post","link":"https:\/\/www.articusfinance.com\/sg\/case-studies\/high-loan-to-value-interest-only-mortgage-for-us-citizen-purchasing-in-the-uk","title":{"rendered":"High Loan To Value Interest Only Mortgage for US Citizen purchasing in the UK"},"content":{"rendered":"<h3 data-start=\"512\" data-end=\"531\"><span style=\"color: #00424f\"><strong>Client Overview<\/strong><\/span><\/h3>\n<p data-start=\"535\" data-end=\"766\"><span style=\"color: #00424f\">The client was a US National living and working in the <strong data-start=\"590\" data-end=\"607\">United States<\/strong>, employed in a senior corporate role. They were looking to purchase a residential property as a long term investment and to use when in the UK.<\/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 style=\"color: #00424f\" 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 style=\"color: #00424f\" 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\"><span style=\"color: #00424f\"><strong>The Challenge<\/strong><\/span><\/h3>\n<p data-start=\"908\" data-end=\"1005\"><span style=\"color: #00424f\">The client wished to purchase a UK residential property valued at approximately <strong data-start=\"988\" data-end=\"1004\">\u00a31.1 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\">Non UK residency \/ citizenship<\/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\">No options with high-street lenders<\/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 at a high loan to value<\/span><\/p>\n<\/li>\n<li data-start=\"1220\" data-end=\"1286\"><span style=\"color: #00424f\">A requirement for an <em><strong><a style=\"color: #00424f\" href=\"https:\/\/www.articusfinance.com\/sg\/interest-only-mortgages\">interest only mortgage<\/a><\/strong><\/em><\/span><\/li>\n<li data-start=\"1287\" data-end=\"1353\">\n<p data-start=\"1289\" data-end=\"1353\"><span style=\"color: #00424f\">A need for clarity around affordability and deposit requirements<\/span><\/p>\n<\/li>\n<\/ul>\n<p data-start=\"1289\" data-end=\"1353\"><span style=\"color: #00424f\">As a non-UK citizen, access to UK lenders is more restricted, particularly when seeking a high loan-to-value, interest-only mortgage. We have plenty of examples of how we have assisted overseas clients with an interest only mortgage in the past. <strong><em><a style=\"color: #00424f\" href=\"https:\/\/www.articusfinance.com\/sg\/case-studies\/large-uk-interest-only-mortgage-for-italian-national\">Take a look at this case study where we advised an Italian national living in Singapore.<\/a><\/em><\/strong><\/span><\/p>\n<p data-start=\"1289\" data-end=\"1353\"><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\"><span style=\"color: #00424f\"><strong>The Articus Finance Approach<\/strong><\/span><\/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=\"1703\" data-end=\"1863\"><span style=\"color: #00424f\">We then identified a shortlist of <strong data-start=\"1737\" data-end=\"1774\">specialist foreign national mortgage lenders<\/strong> active in supporting clients based in the US and structured the application accordingly.<\/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\"><span style=\"color: #00424f\"><strong>The Solution<\/strong><\/span><\/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 \u00a3880,000 loan amount with a specialist lender &#8211; representing 80% LTV<\/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\">An interest only product<\/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 transaction completed smoothly despite the client being based overseas throughout the process.<\/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\"><span style=\"color: #00424f\"><strong>The Result<\/strong><\/span><\/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 UK property purchase completed on time<\/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. Are you overseas and looking for a UK mortgage? <em><strong><a style=\"color: #00424f\" 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 US National living and working in the United States, employed in a senior corporate role. They were looking to purchase a residential property as a long term investment and to use when in the UK. Due to their overseas residency and income structure, the client required specialist advice to [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":21966,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","footnotes":""},"categories":[69],"tags":[],"class_list":["post-30637","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-case-studies"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.articusfinance.com\/sg\/wp-json\/wp\/v2\/posts\/30637","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=30637"}],"version-history":[{"count":2,"href":"https:\/\/www.articusfinance.com\/sg\/wp-json\/wp\/v2\/posts\/30637\/revisions"}],"predecessor-version":[{"id":30651,"href":"https:\/\/www.articusfinance.com\/sg\/wp-json\/wp\/v2\/posts\/30637\/revisions\/30651"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.articusfinance.com\/sg\/wp-json\/wp\/v2\/media\/21966"}],"wp:attachment":[{"href":"https:\/\/www.articusfinance.com\/sg\/wp-json\/wp\/v2\/media?parent=30637"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.articusfinance.com\/sg\/wp-json\/wp\/v2\/categories?post=30637"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.articusfinance.com\/sg\/wp-json\/wp\/v2\/tags?post=30637"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}