Purchase Of £3m London Investment, Using Income From Offshore Trust

At Mesa Financial our specialists are experienced at finding the right financial solutions, even in some of the most complex of cases.

Borrow to purchase an investment property

In this case our client wanted to purchase a second investment property for £3m. They already owned an investment property valued at £3.5m unencumbered.

The client’s goal was to create an additional income stream but crucially, they did not want any cash flow interruptions to their offshore funds. As a French national with no UK income, we needed to demonstrate a suitable repayment vehicle.

Thankfully we are well connected and have considerable experience in arranging bespoke lending deals with private lenders and banks. We are not restricted to a panel of lenders so we can search the market to ensure that we get the best possible terms and arrangements for our clients.

Meeting the criteria to borrow as a foreign national

We used the offshore trust holdings and liquidity as evidence to qualify the client with the lender. We presented a strong case for the client which meant that the bank was satisfied with the income available. In fact, they were able to sanction the loan without the requirement to hold any of the client’s funds or to charge the trust.

The result for the client:

  • £3.65m loan – enough to cover the purchase, stamp duty, legal costs and other associated fees
  • The entire loan came out at 1.95% over base rate on a 5 year product
  • The client was able to purchase the new property without having to use any personal cash

The Mesa Financial Service

If you need to borrow a large amount for a UK or international mortgage, it is always worth contacting the Mesa Financial team to see how we can help you. We always aim to add value to our clients by finding a deal, often bespoke, with carefully negotiated terms to suit the client’s interests.

All of this with the friendly and professional service that we have become renowned for. We look forward to working with you.

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