Foreign Nationals / Overseas Bridging Finance

International bridging finance is a specialist, short-term product designed to help foreign national property investors expand in the British market. These loans can be utilised for a range of investments, including buying residential homes, refurbishment plans, or property auctions.

You can borrow between £100,000 and £50,000,000, depending on the requirement and your circumstances.

Our overseas bridging finance can be used for a range of investments where speed and flexibility are needed. Foreign investors planning to flip a property can use our funding to refurbish or extend a space. Our bridging loans for expats & foreign nationals can also be used to convert a commercial property, or invest in a new-build. Whether you’re seeking funding for an initial purchase, or to refinance, our specialist products can help support your plans.

Our overseas bridging finance can be used for a range of property types. This stretches across residential assets, such as homes or HMOs, through to commercial investments, including offices and restaurants. Funding can be issued for properties spread across every region in England and Wales. We can support your plans, regardless of whether you’re investing in London or Leeds.

Our overseas bridging finance can provide fast funding to foreign nationals who may struggle with high street lenders. If you’re based overseas, you’ll often face delays when investing in the UK. Enhanced due diligence will slow the proceedings down, potentially limiting your ability to jump on an opportunity.

Specialist funding can help overcome these issues. We’re adept at dealing with overseas entities, be they individual investors or offshore companies. We could help you lock in an opportunity, while you organise long-term options and paperwork in the background.

UK property is a popular asset for foreign investors and we’ve seen demand jump recently in light of dramatic currency movements.

But where demand or opportunity rises, so too may competition. To give yourself the best chance of getting ahead of your rivals, you’ll want to work with a lender who specialises in speed and flexibility. We may be able to help you expand your British portfolio, in good times and bad.

We’ll be able to service you so long as you’re aged between 21 and 85. We can work with clients from any country, except those that are sanctioned. We also support expats based in the UK, offshore individuals, trusts and companies, complex overseas structures, offshore asset to overseas buyer, transfer offshore to onshore. You don’t need to own assets in the UK to be eligible.

We regularly provide offshore loans to various company structures and can consider those which may need enhanced due diligence.

We can issue bridging loans for expats & foreign nationals in as little as 3 days, although we find most of our deals complete in around 2 weeks. If you’re coming to us from overseas, you will still receive the same level of service as UK based borrowers.

We’re upfront with our fees from the outset, as all our deals have an underwriter from day one. The fees you’ll pay will be dependent on the type of property you’re investing in. All of our products have an arrangement fee of 1%. There are no admin fees and commitment fees are refunded on drawdown.

There may be an exit fee with the price determined on application.

You will be the key differentiator for our overseas bridging finance, when compared to our other products. The process will be similar across our products, with the only real difference being where you’re based. Every one of our cases is bespoke however, meaning your specific claim will be assessed on its individual merits.

We’ll need details on the property you’re investing in as well as personal details. If you’re an overseas property investor, you’ll be assessed in mostly the same way as our domestic clients. We’ll explore your financial background, experience in the market, and more throughout the process. And, don’t forget, you’ll have an assigned underwriter to guide you through the process.

You can get the ball rolling by contacting us via a phone call, through an email, or live chat on our website. We will respond to all queries within four hours, but please take into account the time differences that may be at play.