Mortgages on Foreign Income
USD, EUR, AED, SGD, HKD income — underwritten cleanly.
UK property lending for borrowers paid in foreign currency — including FX-haircut modelling and dual-jurisdiction tax pre-clearance.
Ticket size
£400K – £15M
Turnaround
AIP in 7 days
Capital partners
19+
Composes with
3 sectors
Key highlights
What sets this apart.
12+ accepted currencies
FX-haircut modelling
Dual-jurisdiction tax
The problem
Why this capability exists.
Most UK lenders apply a punitive FX haircut to foreign income — or refuse it entirely. The result: qualified borrowers turned away.
Our approach
- 01
Model lender-specific FX haircuts and stress thresholds.
- 02
Surface lenders that accept your specific currency and employer type.
- 03
Bridge tax structuring with our partner CTA firms upfront.
Outcomes you can expect
- 12+ currencies routinely accepted
- Average haircut reduced 8 percentage points
- Tax pre-clearance bundled at no extra cost
Typical structures
How mortgages on foreign income deals are commonly built.
Indicative structures we orchestrate across our capital partners. Final terms depend on borrower profile, asset and exit.
Capital & Interest
Standard amortising loan, 5–30yr terms, fixed or tracker.
Interest-Only
Asset-backed exit; common for HNW, BTL portfolios and private bank clients.
Offset / Lombard
Liquid assets pledged to reduce effective rate; private bank structures.
Library OS
Live signal · stack ideas · audience fit.
Three modules that turn this capability page into an orchestration view, not a brochure.
Lender appetite right now
What our desk is seeing on this capability this week.
- down
Tier-1 challenger bank · Senior development
Credit committee re-priced post-MPC. Repeat sponsors with delivered comparables only.
−25 bps on 65% LTGDV
- up
Specialist bridging house · Refurb-to-let bridge
Reopened postcode list across NW + Yorkshire. Faster valuations via desktop AVM.
Now lending to 80% LTV (was 75%)
- down
Family-office mezzanine · Stretched mezz on resi dev
Rotating out of equity into debt. Wants £3–8m strips, full QS oversight.
Hurdle IRR cut 150 bps for repeat sponsors
Who this fits
Audience fit, scored from the brief.
HNW & family offices
100%
Structured credit, complex cases, cross-border, tax-efficient capital.
Property developers & investors
50%
Bridging, development finance, BTL portfolios, refurb-to-let.
Brokers & intermediaries
50%
Lender intel, criteria shifts, packaging playbooks.
SME founders & CFOs
0%
Working capital, growth funding, asset finance, invoice finance.
Composes well with
Stack ideas our desk has placed before.
Regulated Bridging
Chain-break and own-home bridging in 5–10 days.
Marine, Boat & Yacht Finance
From day-cruisers to 50m+ superyachts.
Aviation Finance
Light jets, turboprops, helicopters and fractional shares.
Luxury Asset Finance
Watches, art, jewellery and fine wine — discreetly funded.
Test the fit
Two interactive tools, no credit footprint.
Score your eligibility and model the deal economics before you ever talk to us.
Eligibility quick-check
Get an instant indication.
Five quick questions. No credit footprint. We'll show you a fit score and what to do next.
- Is the asset based in the UK or selected EU jurisdictions?
- Do you have a clear exit (sale, refinance, term loan)?
- Have you completed a similar transaction in the last 5 years?
- Can you contribute 25%+ equity / deposit?
- Is borrower credit history broadly clean?
0/5 answered
Answer to see your fit score
Scenario calculator
Model the deal.
Indicative only — final pricing reflects your actual lender quote.
Monthly
£89k
Total interest
£103k
Arrangement fee
£30k
Effective APR
9.83%
What happens next
Lender panel preview & document checklist.
Indicative lender match
Who we'd quote on day one.
Anonymised preview from our 90+ lender panel. Real allocations are tuned to your file.
- Tier-1 Clearing Bank ATier 1
Term & RCF
Indic. BoE +1.95%
- Specialist Bridging Bank BSpecialist
Bridging / Refurb
Indic. 0.79%/mo
- Private Bank CPrivate
Lombard / Mortgage
Indic. BoE +1.30%
- Alt Lender DAlt
Stretched Senior
Indic. 9.25% pa
- Specialist Dev Lender ESpecialist
Senior Development
Indic. 10.45% pa
- JV Equity Partner FAlt
Mezz / JV
Indic. 12% pref + share
Document checklist
What we'll need.
Indicative pack to get you a credit-quality answer in days, not weeks.
- Photo ID + proof of address (all parties)
- Last 3 months bank statements
- Asset / scheme summary or sales particulars
- Schedule of works (if refurb / dev)
- Personal asset & liability statement
- Latest filed accounts (if SPV / corporate)
- Source of deposit evidence
- Exit evidence (sale memo / refinance AIP)
FAQs
Frequently asked
The questions clients always ask.
Same business day for clean bridging cases; 24–48 hours for development senior debt; 3–5 days for complex private-bank mortgages.
No. Enquiries are soft-search only until you formally accept terms.
Yes — selected jurisdictions across the EU, Channel Islands, and prime international markets via private-bank partners.
Brokerage is paid by the lender on completion in most cases. For complex structuring engagements we agree a success fee in advance.
Short enquiry
Tell us about your mortgages on foreign income requirement.
A specialist will respond within one business hour. No credit footprint.