A 75% LTV purchase for a non-resident, non-domiciled buyer
Prime central London for an internationally based buyer with income earned entirely overseas — placed with a lender comfortable with the structure.
The client
A senior professional based overseas, non-resident and non-domiciled, buying a prime central London home for family use. Income and assets were held abroad across several currencies, with no UK footprint to speak of.
The challenge
Most lenders stop at the first hurdle here: no UK residency, income earned entirely overseas, and source-of-funds evidence spanning three jurisdictions. The buyer also wanted a higher loan-to-value than the handful of lenders in this space usually offer.
Our approach
We prepared a full source-of-wealth narrative and placed the case with an international private lender that understands cross-border income, presenting the currency position and asset base as the lender needed to see it.
The outcome
The purchase completed at 75% LTV on a two-year fixed, interest-only basis, four weeks from instruction, a higher advance than the client expected, on terms that respected the international structure of their affairs.
Client details have been anonymised. This is an illustrative example; individual circumstances and available terms will differ. Your property may be repossessed if you do not keep up repayments on a mortgage secured against it. Some forms of finance are not regulated by the Financial Conduct Authority.
No UK residency, income and assets held overseas across several currencies, and source-of-funds evidence spanning three jurisdictions.
They understood the international side without making it feel like a problem to be solved.Non-resident client · Prime Central London
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