International investors often hit obstacles that UK investors don’t. Without UK tax returns or a local credit history, high-street banks can be reluctant to lend money. But if you’re a high-net-worth investor, the answer isn’t to give up on financing – it’s to look at different lending options.

Options beyond the high street

Private banks and international lenders understand global income, multi-currency assets and complex finances, and will look at your total global wealth, not just your UK financial footprint. They offer options designed for non-residents, like interest-only mortgages, larger loans and multi-currency repayments. Some even offer better rates if you bank with them for other reasons.

Preparing to secure lending

Compared with standard loans, this route will involve more paperwork. Expect to provide audited accounts, verified international income, and proof of cash reserves. But with the right preparation, it’s entirely possible to get 70-75% loan-to-value mortgages even as a non-resident. That will allow you to preserve your capital and spread investments across multiple properties.

How we help

Adventum has strong relationships with specialist lenders, mortgage advisors, and private banks. We handle all the paperwork and negotiate the best rates for you, making the process completely hassle-free. Whether you’re financing your first UK property or refinancing a £10m portfolio, we provide the expertise and introductions to get it done smoothly.