Bridging Finance for Property Projects

✓ Directly Authorised by the FCA
✓ Whole-of-Market Mortgage Advice
✓ Access to 500+ Lenders, Including Private Banks & Specialist Lenders
✓ Specialists in UK Residential Mortgages for Expats
✓ Solutions for Foreign Currency Income & Overseas Employment
✓ Mortgages for a Wide Range of Residential Property Types

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Testimonials What Client Say About Us

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Jennifer is highly professional, consistently responds promptly. She proactively advises me and provides practical suggestions tailored to a range of scenarios, helping me make well-informed decisions. Thank you.
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Wai Shan Leung
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They have secured a mortgage for me after months of struggling on my own and trying other financial companies. I am very happy with the services provided.
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Justin Painter profile picture
Justin Painter
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I would give 6 stars if I could! Jack and the team are simply amazing! They dealt with our (many) queries with patience, explaning the whole process and next steps but also within a timely manner. Communication was top notch as well, specially during the crucial parts of the process, thank you! We couldn't recommend it more. Thank you Jack & the team!
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Bernardo Moutinho
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Buying a property in Scotland from the U.S was a daunting prospect. However, the service and expertise from Danny and June made this a smooth and pain free process. I couldn’t be happier with the service provided.
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Kevin McPhee
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Living Abroad
Buying At Home

Wherever you’re based, our specialists can help you
explore your UK mortgage options.

HOW IT WORKS Our Expat Mortgage Process

We manage the entire application remotely – via video call, email, and secure document upload.
You do not need to visit the UK at any point in the application process.

Free Consultation - Video or Phone

Free • 45-60 minutes

We review your residency, income type and currency, deposit, property requirement, and timeline. You receive a clear picture of your options and likely eligibility before committing to anything.

Documents & AML Verification

1-2 Weeks

We guide you through the full documentation requirements - overseas identity documents, bank statements, employment verification, and translations where needed. Our secure document portal makes this straightforward regardless of where you are based.

Lender Selection & Application

1-2 Weeks

We identify the best-matched expat lender for your country, income type, and property requirements. We prepare and submit the full application with a comprehensive supporting narrative - giving the lender everything they need to make a positive decision.

Valuation & Underwriting

2-3 Weeks

The lender instructs an independent property valuation and their underwriting team reviews the full application. We manage all lender queries, provide supplementary information promptly, and keep you updated throughout.

Typical Timeline

UK Resident cases
3–4 weeks
Expat & Foreign National Cases
6–8 weeks
High value / private bank route
6–8 weeks
Bridging
1–4 weeks
Specialist Lending (Development/Commercial)
6–10 weeks

Definition & background What Is a UK Expat Mortgage

  • Residential & Buy-to-Let Mortgages for Expats: Whether you are buying a family home or seeking Buy-To-let mortgages UK expat investments.
  • Commercial or Development Mortgages for Expats: No restrictions on the type of financing or the security
  • Whole of Market Access: As an independent expat mortgage advisor, we have unrestricted access to specialist expat mortgage lenders UK.
  • Compare Best Rates: We negotiate and compare mortgages to secure the best rates for your unique circumstances.
  • Remortgages or purchases
  • No UK footprint required
  • First time buyers accepted
  • Self employed borrowers accepted

As a trusted UK expat mortgage broker, Articus Finance removes the complexity. Our dedicated expat mortgage advisors have the expertise to navigate time zones, foreign income, and complex tax requirements. Because we operate as a whole market brokerage, we can source and negotiate the best mortgage rates from specialist expat mortgage lenders in the UK, saving you time and money.

Why Expat Application Are Assesed DIfferently

ELIGIBILITY Who Can Apply For Expat Mortgage

Eligibility for UK expat mortgages depends primarily on your nationality, your country of
residence, and your income type. The table below shows how different applicant types are
typically assessed by specialist lenders in 2026.

mortgages for bankers covers

British Nationals Abroad

UK citizens living outside the UK have access to the widest range of expat mortgage products. Most specialist expat lenders specifically cater to this profile and have well-established processes for British nationals working in major expatriate destinations: UAE, Singapore, Hong Kong, USA, Australia, and EU countries.

UK passport holders benefit from: established UK credit history (if they have had UK accounts and credit facilities), easier identity verification, and lender familiarity with the applicant type. Those who have retained a UK bank account and credit footprint will generally have more lender options.

london mortgage broker resized

Non-UK Nationals

Non-UK nationals – including EU nationals, US citizens, UAE nationals, and other international buyers – can also access specialist expat mortgage products, though the range of lenders may be more limited.
Key factors include: whether the applicant has a UK credit history, the AML risk classification of their country of residence, and the currency of their income.

EU nationals with settled or pre-settled status in the UK may access a broader range of products, including some standard residential lenders.

CLIENT PERSONAS WHO WE HELP

Our clients share one thing in common: their financial profile is too complex for standard mortgage products.
Here are the client types we work with most frequently.

International & Non-Domiciled Clients

High net worth individuals resident overseas or non-domiciled in the UK buying property in London and other prime UK markets. Income in foreign currencies, SPV acquisition structures, and non-UK credit histories require lenders with specific international capability. We source lenders experienced in cross-border HNW transactions, currency haircut structures, and non-dom tax arrangements.

Remortgage for Expat Client who needed a Higher Loan To Value
Commercial building construction min

Prime Property Purchasers

Buyers of super-prime London residential, country estates, and development plots where loan sizes exceed £5-10m and standard LTV or income constraints are incompatible with the transaction. We arrange mortgages on properties from Mayfair penthouses to Scottish sporting estates, working with the small number of lenders genuinely active at the top end of the UK residential market.

Complex Income Borrowers

Clients with multiple income sources combination of employment, self-employment, investment income, and overseas earnings - that standard lenders are unable to aggregate correctly. We specialise in presenting multi-source income clearly and compellingly to the appropriate lender, ensuring every legitimate income stream is counted towards your borrowing capacity.

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WORKED EXAMPLES Expat Mortgage Case Studies

The following are anonymised representative examples based on the types of expat mortgage
transactions we have arranged. All figures are indicative.

UK EXPAT • DUBAI • BUY-TO-LET British National in UAE -
Manchester BTL
Client British national, based in Dubai
Income AED 750,000 p.a. (=£163k) – 10% haircut applied
Property £320,000 2-bed, Manchester city centre
Deposit

£100,000 (31%) – from UAE

savings account
Loan £220,000 (69% LTV)
Lender

Specialist expat BTL lender

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UK NATIONAL RETURNING • NEW YORK - RESIDENTIAL Returning Expat from New York - Residential Purchase
Client British national, based in Dubai
Income AED 750,000 p.a. (=£163k) – 10% haircut applied
Property £320,000 2-bed, Manchester city centre
Deposit

£100,000 (31%) – from UAE

savings account
Loan £220,000 (69% LTV)
Lender

Specialist expat BTL lender

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EU NATIONAL • NON-RESIDENT • REMORTGAGE French National in Paris -
London BTL Remortgage
Client British national, based in Dubai
Income AED 750,000 p.a. (=£163k) – 10% haircut applied
Property £320,000 2-bed, Manchester city centre
Deposit

£100,000 (31%) – from UAE

savings account
Loan £220,000 (69% LTV)
Lender

Specialist expat BTL lender

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo.

Frequently Asked Questions

Bridging loans can provide a solution. Short-term finance can be arranged quickly, putting you in a position to move fast. However, applicants should tread carefully. The world of bridging finance is somewhat outside the mainstream, so bridging loans can be complicated to arrange.

Bridging finance can be separated into three categories: regulated, unregulated and second charge bridging.

The main appeal of bridging finance is that it can be arranged at speed. But making this happen isn’t straightforward: the fastest deals are those arranged by a broker working around the clock to see it through.

This is especially true if you’re seeking a high-value bridging loan, or if you have any complexities in your background – such as being a foreign national.

Using a broker with many years of experience can ensure the process runs smoothly, and we can also help to negotiate the best rate and terms for your situation.

For expats and foreign nationals, obtaining a loan for bridging can be challenging. Lenders may require larger deposits and stricter background checks, including an evaluation of the source of wealth. This type of finance for foreign nationals may also be more expensive, with a higher interest rate. 

Fortunately, having access to a reliable network of lenders can make obtaining a loan more achievable.

Take a look at this case study on how we previously assisted a UK expat in securing a quick bridging loan.

A bridging loan can be completed within a week.

Bridging Loans

Bridging loans have become an increasingly popular source of finance in recent years. It’s not hard to see why – in the fast moving world of property, having the freedom to move quickly and take advantage of key opportunities can make all the difference.

Our Bridging Services:

We can also assist with the following:

Get in touch for your free consultation today.

Related Services

Articus Finance is a boutique mortgage broker based in London,
we find creative solutions for High Net Worth individuals who require financing on their worldwide assets.

Testimonials

Mortgages Services

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Articus Finance is a boutique mortgage broker based in London,
we find creative solutions for High Net Worth individuals who require financing on their worldwide assets.

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Jennifer Tolhurst

Finance Broker

Jennifer has worked within the property industry since 2011. Since becoming a qualified mortgage broker in 2017, she has built a reputation for her ability to truly understand each client’s unique needs and circumstances. Jennifer provides clear and tailored advice to ensure the best possible results. Her professionalism and commitment are evidenced through her long-standing client relationships.

Henry Wong

Head of Corporate Finance

Henry has amassed over five years of experience in the finance industry, where he has honed his skills in arranging financing facilities for both businesses and individual consumers. At Articus, he leverages his expertise in corporate finance to guide clients in achieving their business objectives, combining a deep understanding of market dynamics with a steadfast commitment to client success. Henry prides himself in problem solving and no deal is too large or complex for him to tackle, he enjoys crafting innovative solutions that drive results. His dedication to his clients is evident in his proactive communication style and his ability to build lasting relationships. Henry holds a degree in Economics from Queen Mary University London and outside of work, he is a creative within the music industry and is an avid fan of Liverpool FC.

Tafouse Raza

Finance Broker

Tafouse brings expertise from the prime London property market, excelling in client care. Dedicated to exceptional service, Tafouse goes above and beyond to meet your needs. Passionate about rugby, travel, and showjumping, his diverse interests reflect a commitment to excellence in every interaction.

Harry Lart

Mortgage Broker

Harry has over 16 years of experience within the Finance, Housing and Development sector. He started off his career as a CIMA Qualified Chartered Accountant and transitioned over to financial services in 2019. During this time he has dealt with a range of complex financial arrangements from ex pat mortgages to large development loans. Harry has a can do attitude and believes there’s a solution to every situation and will work tirelessly to ensure your deal crosses the line. In his spare time Harry likes to play poker, travel and try new cuisines.

Carolina Barreiros

Marketing Manager

Carolina is a multilingual Marketing Manager originally from Portugal. She specialises in International Marketing and Business, helping organisations expand their brand awareness globally over the last 4 years. Her past work includes supporting start-ups to multinational companies in the UK and across Europe. She is a creative and passionate individual, bringing a fresh perspective to the financial industry and delivering high quality research.

In her spare time, Carolina enjoys socialising & travelling around the world, embracing different cultures and experiences. 

Antonia Grieve

Office Manager

Antonia brings fantastic planning, organisational and time management skills to her role as office manager, ensuring that operations at Articus run smoothly. An experienced administrator with fantastic problem solving skills, Antonia began her career working in medical administration, so she is highly experienced working with confidential client data.

Jack Cuthbert

Finance Broker

Jack comes from a background of delivering great customer service. He has worked in the property industry since 2016 and has solid knowledge of the property market, combined with a good knowledge of the mortgage industry. Jack is CeMap qualified and enjoys looking after his clients and building strong working relationships. Away from work, Jack spends most of his time travelling with friends, playing football and watching Charlton Athletic.

Matthew Currey

Case Manager

Matthew has experience working as a mortgage administrator and assisting with clients of any calibre. His main strength is his ability to develop a close relationship to his brokers and clients, allowing for a smooth transition throughout your mortgage journey, his friendly nature helps in making the process a lot less intimidating than it needs to be. Outside of work Matthew spends his time playing Chess and exploring the world with his Girlfriend.

Danny Doran

Finance Broker

Danny started his career in financial services in 2005. He has developed an ability to build relationships and collaborate for success, through consistent communication, a holistic approach to deal building and an ability to swiftly problem solve. Danny has worked with Private and High Net Worth clients for over a decade and is driven by a strong, natural desire to ensure his clients and their businesses reach their full potential. As a property investor himself, he is well placed and experienced in all things property related. Outside of work, Danny has a keen interest in psychology, the outdoors and travelling.

Theo Osborn

Mortgage Broker

Theo started his journey in the specialist finance industry while working as a journalist at an industry trade magazine. During this time he amassed a great knowledge of mortgages, bridging, development and commercial funding and established a wealth of relationships in the industry. He transferred these skills and now specialises in assisting clients with their specialist finance requirements. Working alongside the CEO, Theo has learnt the nuances of ultra-complex transactions and knows how to most efficiently manage the funding process to completion. Theo aims to achieve the best solution for every client he deals with a particular focus on sourcing funding for developments and refurbishment.

Stefanos Petrou

Mortgage Broker

Stefanos started in financial services in 2013 managing clients across central London. Consistently providing a high level of thorough service. Prioritising communication, research, and innovation in order to meet his clients complex goals. Stefanos strengths lie in maintaining long standing relationships and being by his clients side throughout the process. Outside of work Stefanos enjoys spending time with his friends and family, unless of course Arsenal F.C are playing.

Dino Lazarides

Mortgage Broker

With over 20 years of financial services experience Dino is an accomplished mortgage adviser who relishes the more complex cases, enjoys a challenge and always does everything he can to ensure his clients not only get the result they need but to achieve their property goals.   A fully qualified financial adviser Dino quickly realised that property and mortgages were his passion and over the years gained his experience helping investors build their property portfolios.  When not working Dino enjoys spending time with his family, loves modern and classic performance cars, popular culture, technology, mountain biking and is a supporter of West Ham United.

William Gleeson

Mortgage Broker

William started in financial services 2014 arranging finance for HNW clients and their families. One of his main strengths is building deep, long standing relationships with his clients, which enables him to fully understand their needs and tailor solutions to fit each client individually. William has relationships with a variety of lenders ranging from international private banks to some of the largest lenders within the UK. Outside of work, William enjoys spending time with his young family and is an avid rugby player.

Steven Boyde

Mortgage Broker

Steven started working across London’s property and financial services market in 2007. He specialises in development, bridging and commercial finance and has completed many multi-million transactions. Steven believes in customer focused relationships and has many clients who have been with him for years. Away from work, Steven spends most of his time with his two children and wife, on the golf course or watching Plymouth Argyle.

Samuel Asante

Mortgage Broker

Whether you require access to bespoke funding, or need to fund a project of any scale, Samuel will always find a solution to meet the requirements of any client. No matter how complex your case is, through his innovative and determined nature, he can find a structure to finance a client’s plans. As a trained martial artist, Samuel’s passion and confidence carries over into the workplace, and you can expect a clear and concise transaction journey from start to finish.

Jason Hunt

Mortgage Broker

Jason started in 2012 in financial services working across London’s property and financial services markets for HNW individuals. He is able to construct tailor-made solutions to suit his client’s needs, no matter how complicated. He has completed multi-million pound residential, buy to let and commercial developments across the UK. Jason is a confident and motivated individual whom takes pride in offering an exceptional and professional level of service to all of his clients. Outside of work he enjoys hiking, cycling and traveling the world with his sights set on Base Camp Everest.

Assad Younis

Finance Broker & Head of Securities Lending

Assad prides himself on being open minded and thinking outside the box. Through a personalised approach and consistent communication; Assad’s strong relationships with specialist lenders gives him the ability to reach the ideal outcome for his clients. With a particular strength in dealing with foreign nationals and ex-pats he approaches his clients with a can-do attitude. His attention to detail allows him to actively support his clients and build a long-term relationship by giving a truly tailored approach.  Outside of work, Assad is a keen explorer and foodie, regularly travelling to remote destinations and testing out the local cuisines.

Shyan Zubair

Co-Founder & Managing Director

Shyan is a global businessman with keen commercial acumen and a deep understanding of the UK property market. Following the successful completion of an undergraduate and postgraduate degree in Mathematics from King’s College London, Shyan has held a range of highly strategic roles, with a focus on UK property investment – meaning he is well versed in the world of HNW property finance. Not only is he an experienced UK landlord, he has an impressive history in the world of property trading, and has played a pivotal role in the completion of a number of large scale development projects with values up to £30 million.

Oliver Hines-Lloyd

Co-Founder & CEO

Ollie entered the world of high net worth mortgages after living in Geneva, where he provided tailored financial advice to private clients. This experience shaped his career trajectory, giving him first-hand experience in understanding and communicating the benefits of financial advice – all while developing the ability to build exceptional client relationships. Following this, Ollie moved back to London where he began specialising in mortgages. His drive, ambition and natural flair for anticipating the needs of his clients led him to progress quickly from Client Services to broker, where he honed his skillset after passing his CeMap exams. Outside of work, Ollie is an avid traveller – and an equally keen supporter of his local club, Fulham FC.

Antonio Michael

Co-Founder & CEO

Antonio started in financial services in 2006, arranging and negotiating mortgage finance for some of the UK property market’s most complex transactions. During his career, he has worked at some of the UK’s most prestigious mortgage brokerages, as well as the fast-paced world of currency broking.

As a result, he has a wealth of relevant experience in handling complicated cases, like clients buying properties through trusts. Crucially, Antonio has developed an almost unparalleled network of close industry relationships. This enables him to navigate challenging situations with ease, and he relishes taking on cases that have struggled to progress elsewhere and seeing them through to completion.