Our client is a high-net-worth expatriate investor based in the Middle East, holding UK rental assets through a special purpose vehicle. The proposed acquisition was a mixed-use residential block in a regional UK city, intended as a long-term income-producing investment.
Non-UK residency, SPV ownership, and international income streams limited options with traditional buy to let lenders, many of whom applied restrictive criteria or were unable to assess the case beyond surface-level affordability.
Million Plus Private Finance engaged with private banks and specialist buy to let lenders experienced in SPV lending and international client profiles. The case was structured around historic rental performance, projected rental coverage, asset valuation, and the wider financial strength of the client.
The outcome was a £3.1 million interest-only buy to let facility at approximately 70 percent loan-to-value. The structure supported ongoing rental income while retaining flexibility across the wider UK and international property portfolio.
