How helped secure a BTL mortgage for a foreign national

What is Lombard Lending?

At we’re familiar with unusual circumstances that can sometimes impact standard lending criteria. We’re frequently approached with complex cases that can be difficult to place ranging from non-standard income streams to foreign national buyers, yet the relationship we have established with our lenders can often lead to a successful result. We also 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 or complex mortgage case, please contact us on 020 7519 4984 or email us.

Case profile

We were approached by a professional sportsman, currently living abroad however had previously resided in the UK. The decision was made to invest some of their earnings into a buy to let property in London and rent it out as an additional income stream. What made this case more complex was their lack of experience in the UK property market. In addition, the individual was a foreign national being paid with a foreign income.


Associate Director at, Paul Fredericks, was able to approach our extensive network of lenders and secure a buy to let mortgage at 65% LTV. He commented that “this client produced a complex case due to the foreign element, both in nationality and income. However, I was able to approach a lender and explain the case in detail whilst providing them with the client’s source of wealth. With a greater understanding, underwriting took a holistic approach and made their decision based on the earning potential available. The client was able to secure their property and use it for its intended BTL purpose.”

Your home or property may be repossessed if you do not keep up repayments on your mortgage.

Changes in the exchange rate may increase the sterling equivalent of your debt.

The FCA does not regulate some aspects of buy to let mortgages.   

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We are the UK’s leading specialist in delivering innovative and bespoke financing solutions to global clients.


Specialists in creating innovative and bespoke funding solutions.

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. is a trading name of 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: The FCA does not regulate tax advice or some aspects of commercial, buy to let, overseas mortgages, bridging finance, finance and asset lending. Ltd is a licensed credit broker, and not a lender. Limited is registered with the Guernsey Financial Services Commission, reference number: 2269418, as a Non-Regulated Financial Services Business. Ltd Registered in England and Wales No: 5070990 Registered Address: As above. The guidance and advice contained within the website are subject to the UK regulatory regime and is primarily targeted at UK customers. Calls may be recorded for training and monitoring.