Mortgage for American client using investment portfolio as additional income


Key Figures

Property price: £3,675,000

LTV %: 75% (£3m max)

Rate: 2.39% 5 year fixed

Over how many years: 5 years


What was the property?

The property was a house situated in Zone 1.


Who was the client?

The client was an American national living in the U.K.


What were they looking for?

The client was looking for at least 75% minimum to buy their home – full interest only.


Why was this case difficult?

The client only had employed income to support a mortgage of around £1 million.


What was the process- how did you get around it?

I got in touch with a private bank I’ve worked with before and they were happy to use his investment portfolio as additional income, using the HNW exemption for affordability. 


What was the end result?

In the end, I was able to secure the desired 75% LTV on an interest only basis for my client, who was delighted with the outcome and could proceed with the purchase of his new home in the UK. 


If you’re a non-resident looking to secure property finance in the UK, please get in touch on +44(0)2037589393 or email us at

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