£1million expat remortgage on London Buy to Let properties placed by specialists in large mortgage loans

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Friday January 22, 2016

Need a million pound expat Buy to Let remortgage? We have the banking contacts to provide a tailored solution where other lenders may not be able to help. To discuss this or any other large mortgage case, please contact us on 020 7519 4984 or email us.

Case Profile

Our clients live and work overseas, and own two buy-to-let properties in London. They wanted a new £1million interest-only loan: around £600,000 to redeem their two current mortgages, both now on a higher standard variable rate, and around £400,000 to develop one of the properties. They planned to build a brand new property in the garden of one of their properties, and would therefore have two properties on the same title. This development, together with the loan size and LTV figure, put off most lenders our client went to see.


We took this case up with one of our specialist lenders, who’s happy to consider more unusual lending situations. We agreed it best to split the title so the existing property and the new property in the garden could be assessed as individual assets.

All the lender needed was an independent surveyor to approve the development works. The client’s two buy-to-let properties could then be remortgaged as planned. The property with the split title was remortgaged on a reduced market value, reflecting the smaller title. We were able to raise up to 60% LTV on the two existing properties, which allowed us to replace the existing mortgages and the cover development works.

Deal Highlights

Loan amount:£1million
Rate:3.53% 2 year tracker
Term:20 years
Type:Interest only
Loan purpose:Remortgage and development
Lender’s arrangement fee:1.0% of loan, payable before completion
Early repayment charges:0.5% during the first 2 years

Need a £1million, or more, expat buy-to-let remortgage?

We can help, even when others can’t. Our specialist lenders have got an appetite for larger or more complex mortgages. To discuss what you need, call us on 020 7519 4984, or email info@largemortgageloans.com


This case study is for information and illustration purposes only. It is not an offer, or suggestion of an offer. Each mortgage case is assessed on an individual basis and there is no guarantee that the solution described here can be repeated in the future.

Please note that this specific deal may not be available to – or suitable for – all customers, dependent on their individual circumstances. The rate quoted may become out of date at short notice and may not be available at the point at which customers enquire about it. This document may not contain all the information needed for customers to make a decision and they should seek advice.

Overall cost for comparison 3.6%APR representative variable. Lender’s arrangement fees of 1.0% of the loan amount. The actual rate available will depend on your circumstances. Ask for a personalised illustration.

largemortgageloans.com is a trading name of largemortgageloans.com Ltd. A fee of up to 1.17% of the mortgage amount is payable, of this 20% is payable on application and the remainder on completion, e.g. on a mortgage of £1,000,000 the fee would be £11,700 of which £2,340 would be payable on application and the remainder of £9,360 on completion. The precise amount will depend on your circumstances.

Your home or property may be repossessed if you do not keep up the repayments on your mortgage. You may have to pay an early repayment charge to your existing lender if you re-mortgage.

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Your home or property may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it. Changes in the exchange rate may increase the sterling equivalent of your debt. You may have to pay an early repayment charge to your existing lender if you remortgage. Think carefully before securing any other debts against your home.  

largemortgageloans.com is a trading name of Largemortgageloans.com Ltd, Aegon House, Ground Floor Suite, 13 Lanark Square, London, E14 9QD authorised and regulated by the Financial Conduct Authority (FCA). Our FCA registration number is 302228 and can be viewed by visiting the FCA website: www.fca.org.uk. The FCA does not regulate tax advice or some aspects of commercial, buy to let, overseas mortgages, bridging finance, finance and asset lending. Largemortgageloans.com Ltd is a licensed credit broker, and not a lender.

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Largemortgageloans is a trading name of Largemortgageloans.com Ltd, Aegon House, Ground Floor Suite, 13 Lanark Square, London