Case Studies
Discover how we’ve helped clients secure funding across residential mortgages, buy to let, bridging finance, commercial lending, and specialist finance solutions.
Overcoming Expat Lending Complexity
EXPAT SUCCESS STORY
We recently assisted a client with a limited company buy-to-let portfolio where one applicant was based in the UK and the other had relocated to Australia. While the case initially appeared straightforward, lender criteria varied significantly depending on whether the application was treated as a standard case or an expat scenario.
During our research, we found that lenders differed not only on how they classified the application, but also on how they assessed the country of residence of the overseas applicant. These differences had a direct impact on eligibility and affordability, highlighting the importance of correct structuring from the outset.
By leveraging our knowledge and lender relationships, we identified a number of building societies and banks willing to consider the case and successfully structured the application using top slicing to support affordability, achieving a positive result for the client.
This case demonstrated the need for detailed due diligence when dealing with international applicants, as small differences in interpretation can lead to very different outcomes.
Key Outcomes
Portfolio Type: Limited Company Buy-to-Let
Applicant Residency: UK & Australia
Challenge: Expat lending criteria differences
Lenders Assessed: Multiple specialist banks & building societies
Application Structure: Tailored for overseas applicant considerations
Funding Outcome: Successfully Approved
Key Learning: Small lender policy differences can have a major impact on eligibility and affordability.
