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International · ExpatHNW expat

£2M remortgage for high-net-worth expat client with complex income profile

£2m · 65% LTV · interest-only remortgage

In short

How was £2M remortgage for high-net-worth expat client with complex income profile financed?

Clifton International arranged expat remortgage for this UK asset · International income transaction — £2m, 65% LTV, interest-only remortgage. We approached three private banks used to complex international income, negotiated on rate and set-up fee, and structured an interest-only facility supported by wider assets under management.

  • Location: UK asset · International income. Finance type: Expat remortgage.
  • Headline terms: £2m · 65% LTV · interest-only remortgage.
  • A UK national living overseas held a prime UK home on an expensive standard variable rate. Multi-currency income across three jurisdictions and non-standard bonus structures ruled out most high street options.
  • Monthly cost reduced significantly versus the previous SVR; client freed cashflow for further international investment.
Expat remortgage in UK asset · International income — £2m · 65% LTV · interest-only remortgage
Loan amount
£2,000,000
LTV
65%
Term
5-year fixed
Repayment
Interest-only
Client
HNW expat
Security
Prime UK residence
Challenge
A UK national living overseas held a prime UK home on an expensive standard variable rate. Multi-currency income across three jurisdictions and non-standard bonus structures ruled out most high street options.
Solution
We approached three private banks used to complex international income, negotiated on rate and set-up fee, and structured an interest-only facility supported by wider assets under management.
Funding structure
£2m remortgage, 65% LTV, 5-year fixed, interest-only.
Outcome
Monthly cost reduced significantly versus the previous SVR; client freed cashflow for further international investment.
40+ lenders
Whole-of-market panel
8–14 weeks
Typical completion
Rated Excellent
Client reviews
No obligation
Free initial review
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FAQs

Questions on this case

Can expats remortgage a UK property?
Yes. UK nationals living overseas can remortgage UK property, but most high street lenders restrict or decline applicants who are non-UK resident. Private banks and specialist international lending teams regularly arrange expat remortgages — in this case a £2m interest-only facility on a prime UK residence.
Can I get a UK mortgage with foreign or multi-currency income?
Yes, though it narrows the field. Lenders with international underwriting teams will assess multi-currency income, bonuses and income across several jurisdictions. This client earned across three currencies in three jurisdictions, and the case was placed with a private bank comfortable with that complexity.
Is an interest-only remortgage available to expat clients?
It can be, particularly with private banks. Interest-only is often supported where there is a credible repayment route — such as wider assets, business interests or a planned sale. Here, the interest-only facility was supported by the client's wider assets under management.
Why remortgage off a standard variable rate?
A standard variable rate is typically the most expensive way to hold a mortgage. Remortgaging onto a fixed-rate facility — as this client did with a 5-year fix at 65% LTV — materially reduced the monthly cost and freed cashflow for other investment.

More answers in our UK mortgage FAQs, covering standard mortgages, expat applications, foreign-currency income and bridging.

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