A Bespoke Solution for an Overseas Borrower Tidying up Their Portfolio

Loan Amount:
£1,313,000

Property Value:
£1,750,000

LTV:
75%

The UK property market offers reprieve for overseas investors in need of stability. Despite the challenges the UK BTL market can present, our relatively stable institutions and systems allow for consistent planning and steady income streams.

But it can be difficult to access our market from overseas via the mainstream lending scene. Overseas buyers and foreign nationals present more risks for lenders, and many high-street banks won’t have the appetite for this risk.

Knowing this, we were approached to support a foreign national attempting to reorganise their portfolio with a UK asset. We are generally more open to global property investors, and so our underwriter got to work on finding a way to proceed.

Scrutinising the details

With this case, the prime concern was evidencing the borrower’s source of funds, and making sure the exit strategy was achievable. Doing all this is more complicated with overseas considerations, and so the deal was raised internally.

Having combed through the details, it was determined we’d be able to help so long as certain documentation was gathered. This included income statements and other financial documents, which our underwriter received by working closely with the borrower’s team.

The exit strategy was dependant on the sale of an external asset. Seeing that the sale was already being heavily marketed and was generating interest, we felt assured in delivering funding.

Continued overseas interest

The UK property market benefited from geopolitical challenges last year. As dramatic headlines emerged, we saw an influx of investment from American, Middle Eastern, and Asian buyers.

Given what we’ve already seen in the opening weeks of 2026, this may only continue this year. The specialist market is primed to welcome in this foreign capital.

At Market Financial Solutions, our products remain open to borrowers from any country, other than those that are sanctioned or blacklisted. Any brokers who see a rise in overseas queries should drop us a line, or give us a call.

Working on a similar case?

If you’re working with an overseas borrower and navigating portfolio complexity, ownership structures or exit considerations, an early sense-check can help clarify what’s possible.

Sense-check a case

FAQs

Does Market Financial Solutions have any limitations on the countries it’ll serve?

We can accept borrowers from any country, except those that are blacklisted by the Financial Action Task Force (FATF). The Isle of Man Channel Islands, British Virgin Islands, Gibraltar and EU are accepted as standard. With our BTL mortgages, we may need offshore borrowers to have a UK footprint (property, current account, credit record etc), and a UK bank account is required for Direct Debit. We’re also happy to work with offshore trusts, expats, and more.

Why do overseas investors face more due diligence?

Generally, foreign national borrowers and overseas investors face more due diligence as they’re perceived to be higher risk. Specifically, it can make it difficult to verify overseas income and assets, and stringent anti-money laundering (AML) and compliance regulations for cross-border transactions are enforced across the entire financial system.

Can foreign nationals utilise Market Financial Solutions’ commercial mortgages?

Yes, but just as is the case with our residential mortgages, we will only lend to those not from a sanctioned or blacklisted country.

Are foreign nationals able to invest anywhere in the UK with a Market Financial Solutions loan?

No, currently our funding can only be put towards investments in England and Wales. It’s not possible to invest in Northern Ireland or Scotland. We have regional BDMs based across the country who understand their areas inside and out, and are primed to help brokers and borrowers with their area-specific queries.

Does Market Financial Solutions have a preference on where overseas borrowers are based?

No, every case we handle is assessed on its own merits. So long as the investment makes sense, and the exit strategy is clearly evidences, the location of our borrowers will pretty much be immaterial.