Buy to let mortgage secured for first time landlord domiciled in China

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Monday September 27, 2021

Buy-to-Let Property Market for Overseas Investors 

Rents in the capital have markedly continued to decline, as a post-covid world a hybrid working model allows for Londoner’s to move to suburban areas within a commutable distance to London. There is a burgeoning demand for rentals in suburban locations. Buy-to-let owners should be mindful of overestimating projected rental returns in London, at least in the short-term while the London rental market is in a state of flux.

The UK remains a popular location for both expats and foreign nationals buying property. However, arranging mortgages for British expats can be incredibly challenging, particularly if an individual’s income is received in a foreign income. Buy-to-let (BTL) mortgages provide individuals with the prospect of a long-term investment by capitalising on the property’s capital growth. Buy-to-let mortgages allow the property owner to generate rental income, which can help to cover mortgage repayments while the value of your property hopefully continues to grow.

Case Profile

Our client, a first-time landlord and buyer has a British passport and is domiciled in China. Having previously lived in the UK for over 17 years, we were able to evidence a footprint within the UK.

The investment property was a new build property previously secured off plan, located on floor eight of twelve. The client required the funds to complete the purchase. Buyers can struggle to secure lending for new high-rise builds, regardless of its value.


Senior Mortgage Associate, Aimee Hadley used her expertise to source a lender that was comfortable lending to a property owner domiciled overseas as well as the property type. Our client was delighted to complete the purchase of their London buy to let property.

​​If you’re domiciled overseas and struggling to find a mortgage, talk to our experts who specialise in large and specialist finance. We have access to solutions you can’t

find on the high street, and we take a bespoke and tailored approach to every case.

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