£2.2M buy-to-let mortgage for Dubai expat investment property
£2.2m · 70% LTV · 25-year expat BTL
In short
How was £2.2M buy-to-let mortgage for Dubai expat investment property financed?
Clifton International arranged expat buy-to-let mortgage for this Cirencester transaction — £2.2m, 70% LTV, 25-year expat BTL. We approached a specialist expat BTL lender familiar with UAE tax residency, packaged the deal around rental cover, and negotiated aggregated exposure limits. £2.2m expat BTL mortgage, 70% LTV, 25-year term, interest-only.
- Location: Cirencester. Finance type: Expat buy-to-let mortgage.
- Headline terms: £2.2m · 70% LTV · 25-year expat BTL.
- A Dubai-based UK national was acquiring a substantial Cirencester rental at £3.15m. Overseas residency, UAE income and the size of the loan sat outside mainstream BTL policy.
- Purchase completed on schedule; property tenanted on a long AST within 6 weeks of completion.
- Loan amount
- £2,200,000
- Property value
- £3,150,000
- LTV
- 70%
- Term
- 25 years
- Repayment
- Interest-only
- Client base
- Dubai
- Challenge
- A Dubai-based UK national was acquiring a substantial Cirencester rental at £3.15m. Overseas residency, UAE income and the size of the loan sat outside mainstream BTL policy.
- Solution
- We approached a specialist expat BTL lender familiar with UAE tax residency, packaged the deal around rental cover, and negotiated aggregated exposure limits.
- Funding structure
- £2.2m expat BTL mortgage, 70% LTV, 25-year term, interest-only.
- Outcome
- Purchase completed on schedule; property tenanted on a long AST within 6 weeks of completion.
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FAQs
Questions on this case
- Can overseas residents get a UK buy-to-let mortgage?
- Yes. A dedicated expat buy-to-let market exists for UK nationals living abroad, though most mainstream BTL lenders restrict non-resident applicants. Specialist expat lenders underwrite overseas residency directly — this £2.2m purchase at 70% LTV was arranged with a lender experienced in expat BTL.
- Can I use UAE income to qualify for a UK buy-to-let mortgage?
- Yes, with the right lender. Specialist expat BTL lenders are familiar with UAE tax residency, employment structures and documentation. This Dubai-based client's UAE income was accepted as the qualifying income for the £2.2m facility.
- How is rental cover assessed on an expat buy-to-let?
- Lenders assess whether the expected rent covers the mortgage interest — typically expressed as a rental coverage ratio, and usually calculated on an interest-only basis, sometimes stressed at a higher rate. In this case the deal was packaged around the rental cover of the prime Cirencester property.
- Are large expat buy-to-let loans available interest-only?
- Yes. Interest-only is common on buy-to-let, including for expat borrowers, with the loan repaid from sale, refinance or other assets at the end of the term. This £2.2m facility was arranged interest-only over a 25-year term.
More answers in our UK mortgage FAQs, covering standard mortgages, expat applications, foreign-currency income and bridging.
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