Large mortgage for non UK resident placed by the specialists in large mortgage loans

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Monday April 18, 2016

Need a large mortgage? 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 or complex mortgage case, please contact us on 020 7519 4984 or email us.

Case Profile

The client was a young, high net worth Chinese national working for a telecommunications company in China. Through work he traveled extensively to the US and UK, and therefore decided to buy an investment property in central London.

Due to the client’s nationality, lack of UK visa and overseas residential status, there were only a handful of lenders that would consider a mortgage loan application. To further complicate matters, the apartment the client wished to buy was an ex-Local Authority property, meaning that all except prohibitively expensive, short term lenders would not consider the case.


Although the property was ex-local authority, it was in an attractive, traditional 1900 building in an up market area of London, Bloomsbury, and was high value, with an agreed sale price of £985,000.
The client had already spoken to our first choice lender directly and been declined at the initial enquiry stage due to the property type. However, we felt that it was a good case and put a proposal to our contact at the bank who in turn sought an exception from their underwriting department. Due to the strength of the client’s credentials and positive nature of the property we were able to get an exception and arrange the large mortgage for our client.

Deal Highlights

Loan amount:£689,500
Rate:3 year fixed rate at 3.95%
APR:Overall cost for comparison 5.0% APR representative variable
Term:25 years
Loan purpose:Purchase
Lender’s arrangement fee:£3,195
Early repayment charges:1% for the first 3 years


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 The rate quoted may become out of date at short notice and may not be available at the point at which customers enquire about it.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 5.0% APR representative variable based on 25 years at 3.93%. Lender’s arrangement fee is £3,195. The actual rate available will depend on your circumstances. Ask for a personalised illustration. is a trading name of Ltd. A fee of up to 1.17% of the mortgage amount is payable, of this 25% 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 £2,925 would be payable on application. 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.

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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. 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. 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.
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