Helping an Experienced Foreign National Investor Expand Their UK Portfolio

Loan Amount:
£400,000

Property Value:
£570,000

LTV:
70%

Commercial properties can present opportunities for foreign national investors, and those based overseas. But, foreign buyers may struggle to gain access to the UK if they go through mainstream providers at the moment.

High street banks have tightened their lending criteria in recent months, making it difficult for even some domestic buyers to progress. Overseas investors with anything less than a perfect record, and no red flags will likely struggle.

One such investor turned to us for support recently as they needed to complete quickly, and expand their portfolio. Our underwriter had to overcome some potential issues to deliver funding.

Even seasoned pros can face complications

The investor had a lot of experience in the property market, owning several properties spread across many geographic markets. But, a few complications had to be overcome before we could progress.

During our checks, we noted the property had no EPC certificate in place. With stricter legislation looming, this presented some long-term challenges. Our underwriter had to work quickly to find solution a solution.

The client’s background was raised internally and, after further evaluation, approved for progression. During the legal stages, we worked to address the EPC issue and make sure it was amended prior to completion.

We worked with the valuer involved to determine that the underlying asset offered a good security. Also, the investor’s experience reassured us. Their exit strategy was also sound and in progress. With these assurances in place, we delivered funding quickly, allowing them to jump on the opportunity.

The commercial market may not face difficulties for much longer

Commercial property demand has come under pressure in recent years, due to the fallout of the pandemic. Deal numbers have fallen, and prices dropped in the 2^nd half of 2022.

Yet, the tide may be turning. Businesses across the UK want to see workers back in their offices, manufacturing plants, and retail hubs. Also, reduced prices may now present an opportunity for buyers to purchase an asset at a good price, before the market rebounds.

Fortunately, there are many options available to these buyers. Semi-commercial properties can offer an in-road to the market, while underappreciated assets can be found at auction. Regardless of where property investors find their next opportunity though, specialist finance may be able to help them secure it at pace.

FAQs

What challenges can foreign nationals face when investing at scale in the UK?

Overseas investors frequently hold assets through international companies, trusts, or partnerships. These structures can add complexity that high street lenders aren’t equipped to handle quickly. At Market Financial Solutions, we begin underwriting from day one and ensure to understand the ownership model, income streams, and exit plans. This means we can spot any potential issues early and work around them – so our clients don’t lose valuable time or deals.

How do you support experienced foreign investors expanding their UK portfolio?

We regularly assist overseas clients who already own property in the UK by offering tailored bridging and exit finance. For experienced foreign investors, we consider international credentials, asset mix, and exit strategies, and leverage our in-house lending capability to provide rapid approval and funding, even when borrowers have complex structures like offshore companies or trusts.

How does Market Financial Solutions tailor facilities for experienced foreign investors?

No two investors are the same, especially when they have multiple properties in various markets. For this client, we structured a flexible bridging loan that reflected the value of their UK asset while accommodating their overseas income and future refinancing strategy. This adaptability helps investors maximise opportunities in the UK property market – instead of being held back by rigid lending rules.

Do your bridging lending criteria differ for overseas investors?

No. We assess foreign investors on the strength of the asset, borrowing structure, exit plan, and repayment capacity, not on nationality. Whether you’re refinancing a single rental property or consolidating a wider portfolio, our in-house underwriting delivers competitive rates, comprehensive facility design, and fast execution.