Bespoke £2m mortgage secured for self-employed expat buyer with foreign currency income

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Monday October 4, 2021

If you are an expatriate and self-employed, navigating the mortgage market can be challenging. Speaking to a mortgage expert can help you understand what is required from you to secure a mortgage and inform you about how much you are likely to borrow. Matching you with the right lender for your specific needs is also instrumental in negotiating preferential rates.

Case profile

We were approached by a buyer who was already a homeowner. Our client wished to hold onto the existing property to enable his daughter to continue residing there. Meanwhile, he wanted to purchase a new home to use as his primary residence with his wife, upgrading the size of the property in process. The buyer had to prove their eligibility to service and pay off two mortgages. Our client had three challenges that made securing a mortgage more sophisticated: firstly, he was self-employed; secondly, they were expats; thirdly, our client’s income stream was paid in multiple currencies from four countries. The clients had a large deposit and could qualify for a low LTV (loan-to-value), putting them in a strong position for our negotiations with the lenders.


We managed to find a high street lender with market-leading rates who offered our expat client a two-million-pound interest-only mortgage on a five-year fixed-rate under 2%. An interest-only setup allowed our client to keep his monthly payments low.

The lender we found was willing to accept foreign currency across four countries while factoring in our client’s existing mortgage with his daughter, arranged a year before this mortgage deal. The elaborate setup of the mortgage deal required specialist mortgage advice well-versed in structuring bespoke mortgages.

If you’re self-employed and looking to secure a mortgage, talk to one of our experts who can advise you on how much you are likely to be able to borrow. We can guide you through your options and how you can prove eligibility. We have access to solutions you can’t find on the high street, and we take a bespoke and tailored approach to every client case.  

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