UK Resources
Real UK transactions and practical guidance for expats, foreign nationals and investors — bridging, high-value mortgages, development, commercial finance and remortgage.
In short
Our UK resource library explains how UK property finance works for expats, foreign nationals and overseas buyers. The guides cover how lenders assess foreign income, the non-resident stamp duty surcharge, document requirements for US and Gulf-based applicants, bridging loans, and limited-company buy-to-let structures, each with indicative costs and timelines.
Tools
Work out the full SDLT bill on a UK purchase as a non-resident — standard bands, the 5% additional-property surcharge and the 2% non-resident surcharge, with the surcharge cost shown separately so you know exactly what your residence status is costing.
Example
£900,000 London purchase, non-resident buyer who already owns property overseas:
Estimate only. England & Northern Ireland rates.
Guides
Practical, lender-informed explainers on the issues that decide UK applications from overseas — tax, income assessment and documentation.
How the 2% non-resident surcharge and the additional-property rate stack, who counts as non-resident, and how to reclaim overpaid SDLT.
Read guideCurrency haircuts, accepted currencies, bonus and RSU treatment, self-employed overseas income and how affordability is actually calculated.
Read guideThe exact document pack UK lenders request from US citizens and UAE/Saudi residents — proof of income, source of funds, attestation and certification.
Read guideCase Studies
Structures, figures and timelines from deals arranged by our UK advisers.
£1.3m · 65% LTV · 12-month regulated bridge
£1.3m regulated bridge to help a Leeds family secure a significantly larger home before selling their existing property — funded in under 3 weeks.
£230k · c.25% LTV · 36 days to completion
A regulated bridging loan raised against an unencumbered Edinburgh home to secure a £230k apartment in Malaga, Spain — completed in 36 days.
£1.2m · 60% LTV · chain-break bridge
£1.2m chain-break bridge that saved a rural Oxfordshire purchase after the buyers' onward sale collapsed at the eleventh hour.
£1.05m · 70% LTV · 8 working days to funding
£1.05m time-critical regulated bridge delivered in 8 working days so professional clients could secure a competitive North London purchase.
£809k · 60% LTV · 25-year term
£809k residential mortgage against a non-standard Hertfordshire countryside home — placed with a private bank willing to underwrite the unusual construction and refinance the existing bridge in full.
£4m · 70% LTV · 5-year fixed
£4m portfolio refinance for a Midlands property investment group — improving margin, releasing capital and consolidating multiple facilities into a single lender relationship.
Service guides
Residential, buy-to-let and high-value mortgages for UK and international clients.
Read guideUK purchase, buy-to-let and remortgage finance for expats and foreign nationals.
Read guideFast short-term funding for auctions, chain-breaks, refurbishments and exits.
Read guideSenior debt for residential and mixed-use schemes across the UK.
Read guideInvestment and owner-occupier commercial mortgages.
Read guideBetter terms, capital release and debt restructure for UK property.
Read guideOur Spanish resource library covers non-resident mortgages, bridging and development finance in Spain — including raising capital against UK property.
Related UK services
Residential, buy-to-let and high-value mortgages for UK and international clients.
Learn moreFast short-term funding for auctions, chain-breaks, refurbishments and exits.
Learn moreSenior debt and stretched-senior facilities for residential and mixed-use schemes.
Learn moreInvestment and owner-occupier funding for offices, hospitality, retail and logistics.
Learn moreImproved terms, capital raising and exit refinance for maturing UK facilities.
Learn moreReady to explore your options?
A discreet, no-obligation conversation with a UK-based adviser covering residential, expat, bridging, development and commercial lending.