The Financing Challenge

Foreign nationals investing in UK property often face hurdles that domestic buyers don’t. Without UK tax returns or a local credit footprint, traditional high-street lenders may be hesitant. But for high-net-worth individuals, the solution isn’t to give up on financing – it’s to look at different, more bespoke lending options.

Options Beyond the High Street

Private banks and international lenders are well versed in evaluating global income, multi-currency assets, and complex portfolios. They offer financing structures that are tailored for non-residents – like interest-only mortgages, large loan sizes, and multi-currency repayment options. These lenders often consider your global financial footprint rather than just local metrics, and some may even offer preferential rates in exchange for asset under management relationships.

Preparing to Secure Lending

Compared with standard loans, it’s a more document-heavy and relationship-driven process. Lenders typically expect audited accounts, verified global income, and evidence of liquidity. But with the right preparation, it’s entirely possible to access 70-75% loan-to-value mortgages, even for non-residents. These financing options not only preserve your capital but also allow you to leverage investments across multiple properties.

What Adventum Offers

Adventum Wealth has deep relationships with specialist lenders, mortgage advisors, and private banks. We help clients prepare the right documentation, structure their assets effectively, and secure loans that are both competitive and aligned with their wider investment strategy. Whether you’re financing your first UK property acquisition or refinancing a £10m portfolio, we provide the expertise and introductions to get it done smoothly.