Client Profile
We were approached by a French national with Indefinite Leave to Remain (settled status) who was looking to purchase their existing property directly from their landlord. The agreed purchase price was £3.15 million, and the client required a tailored lending solution to support a smooth and time-sensitive transaction.
Case Requirements
- Purchase price: £3,150,000
- Loan amount: £1,000,000
- Preference for a competitive fixed rate
- Interest-only structure to optimise cash flow
The Solution
We arranged a £1,000,000 mortgage with a high street lender, structured on a 2-year fixed rate at 3.72%, providing short-term rate certainty. The loan was set up on an interest-only basis, aligning with the client’s financial strategy and enabling efficient management of monthly outgoings. Speed was a key factor in this transaction. The application was submitted on 12/03/2026, with a formal mortgage offer issued on 30/03/2026, just 12 working days, including completion of a physical valuation. This swift turnaround ensured the client could proceed with confidence and maintain momentum in what was effectively an off-market purchase.
The Outcome
Despite the absence of UK ties, we delivered a competitive high-LTV solution tailored to the client’s international profile. The transaction completed smoothly within the required timeframe, allowing the client to proceed with their relocation confidently, knowing their financing was securely in place.
This case highlights the importance of specialist lender access and tailored structuring when working with international clients. Even in the absence of a UK credit footprint, well-positioned applications can achieve strong outcomes with the right expertise and approach.
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