🌍 Foreign National Finance

Non-UK residents and foreign nationals face significant barriers when trying to access mainstream UK property finance. Specialist bridging lenders have developed specific processes for overseas borrowers — thorough, but workable for the right applicant with the right deal structure.

Key Considerations for Overseas Borrowers

• Nationality and jurisdiction matter — lenders have different appetites for different countries. EEA, USA, Canada, Australia, UAE, Hong Kong, and Singapore are generally well-received
• AML documentation is more extensive — certified passport, proof of address, source of funds, and wealth declarations are all standard requirements
• LTV is typically lower — most lenders cap at 65–70% LTV for foreign nationals vs 75% for UK residents
• UK SPV structure simplifies the process — borrowing through a UK-incorporated company makes the legal and AML position significantly cleaner

The UK SPV Approach

Many overseas investors purchase UK property through a UK-incorporated Special Purpose Vehicle. This creates a UK legal entity, streamlines the AML process, and gives the lender a familiar enforcement mechanism. We can help structure this from the outset and connect you with UK solicitors experienced in overseas investor transactions.