Prime residentialCentral London
£18.6m
Prime freehold refinance via offshore SPV. Senior at 55% LTV, 24 months, serviced from non-UK income.
Issue — non-UK borrower, multi-jurisdiction funds.
What we fund
Prime residential transactions we fund
Purchase, refinance and refurbishment for private clients, family offices and their advisers.
01
Prime and super-prime purchase in London and the home counties
02
Refinance of a maturing or expensive existing facility
03
Heavy refurbishment, extension and basement works
04
Equity release against an unencumbered property
05
Bridging to an onward sale where the chain has broken
06
Purchases through BVI, Jersey or other non-UK corporate structures
07
Facilities where trustees are the borrowing entity
08
Portfolio facilities across several prime assets
Structures
Structures we place
Almost all of these transactions are business or investment purpose facilities to corporate or trust borrowers, not regulated mortgage contracts.
Senior term facility
50–65% of value over 12 to 60 months, interest serviced or partly rolled, secured by first legal charge.
Refurbishment facility
Day-one advance plus a committed works tranche drawn against certified stages, with an uplift-based exit valuation.
Non-UK income servicing
Interest serviced from overseas earnings or distributions, with lenders selected for their comfort on the relevant jurisdiction.
Second charge and equity release
Behind an existing senior lender where the first charge is priced attractively and refinancing the whole would be uneconomic.
Underwriting
What lenders test
On prime residential, the borrower structure takes longer to clear than the asset.
Source of wealth and funds
Expect full documentation of both, traced through each jurisdiction. This, not valuation, is what usually sets the timetable on offshore and trust-owned purchases.
The borrowing entity
A BVI or Jersey SPV, a trust, or a UK company with non-resident directors each narrows the lender list. Selecting for entity comfort at the outset avoids a declined application later.
Serviceability without UK income
Where income is non-UK, lenders test currency risk, distribution reliability and, on some structures, require interest to be prepaid or partially rolled.
Track record
Selected prime residential transactions
Prime residentialSurrey
£7.4m
Purchase and heavy refurbishment of a country house held in trust, day-one advance with a £1.9m works tranche.
Issue — trustees as borrower with beneficiary consents required.
General locations, clients unnamed. Completed facility sizes, illustrative only — not an indication of terms available to you.
Questions
Common questions
General information on how these facilities are structured and placed. Not advice, and not an indication of terms.
Do you arrange regulated mortgages on main residences?
No. We are an unregulated introducer and broker. Our facilities are business and investment purpose loans to corporate, trust and non-resident borrowers. Where an enquiry is regulated business, we refer it to an FCA-authorised firm.
Can you fund a purchase through an offshore company or trust?
Yes. BVI, Jersey, Guernsey and other non-UK structures are routine, as are trustee borrowers. The lender list narrows by jurisdiction, so entity comfort is checked before approaching anyone.
What if income is entirely non-UK?
Facilities can be serviced from overseas earnings or distributions. Lenders test currency risk and reliability, and may require interest to be prepaid or partially rolled up.
Is heavy refurbishment funded?
Yes, through a day-one advance plus a committed works tranche drawn against certified stages, with the exit assessed on the uplifted value.
Enquire
Send us the transaction
Property, ownership structure, facility required and purpose is enough for a first view. Handled in confidence.
Direct line
+44 (0)20 [ 0000 0000 ]