Mortgage for a US national first-time buyer on a £7million London property

14th September 2018

Islay Robinson

Mortgage for a US national first-time buyer on a £7million London property
Islay Robinson

Islay Robinson


At Enness we pride ourselves on helping first-time buyers. We are experts at overcoming difficulties that arise with high net worth cases, especially when the client in question is not from the UK. My client was a US national but had acquired British residency by marriage. He worked as a hedge fund manager and therefore had high incomes which came in GBP and USD.

My client wished to purchase a stunning £7million property in London. This was his first UK property purchase and he was looking for loan to value (LTV) of 85%, far higher than the 60-70% average.

To add to this, my client received a bonus income in USD. This creates complications when calculating net worth as US citizens require extra reporting due to the US Inland Revenue Service policy with tax returns filed there.


I understood the necessity of finding a lender with a strong international presence that would appreciate the complexities of this case. Fortunately, at Enness we have a vast network of lender contacts and I was able to secure my client’s desired 85% LTV at a rate of 2.54% plus base rate on a 5-year interest only fixed term. This was the ideal solution for my client.

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The Global High  Net Worth  Mortgage Guide

The Global High Net Worth Mortgage Guide

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Our handy Global High Net Worth Mortgage Guide explores the world of international mortgage finance in prime property markets around the world. 

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Let us guide you through the complex world of mortgages.  

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