75 Percent LTV UK Mortgage for a French National
Securing a 75 percent LTV UK mortgage for a French national requires specialist structuring, particularly when working across jurisdictions. In this case, Articus Finance arranged a £640,000 facility against an £800,000 London main residence, meeting a tight relocation deadline while preserving full flexibility for the client.
Introduction: 75 Percent LTV UK Mortgage for a French National
This case study demonstrates how Articus Finance delivered a 75 percent LTV UK mortgage for a French national client relocating temporarily to London. Conventional lenders lacked appetite given the irregular income, foreign national status, and the borrower’s insistence on no early repayment penalties. By leveraging private banks and specialist building societies, we created a flexible, penalty-free solution that aligned perfectly with the client’s career plans and mobility needs.
Client Background
The client was a French contractor who had secured a new role with a London-based firm. Her employment agreement included a dedicated housing allowance and she chose to purchase property rather than rent. Targeting a main residence valued at £800,000, she required a loan of £640,000 at 75 percent loan-to-value.
The client’s circumstances included:
- French nationality with irregular contractor income.
- Requirement for flexibility due to potential return to France.
- Need for no early repayment terms.
- Deadline for mortgage approval before relocation to the UK.
Unfamiliar with the UK market, the client required discretion, efficiency, and a bespoke arrangement tailored to cross-border complexities.
Case Study: 75 Percent LTV UK Mortgage for a French National
The client faced unique obstacles. Contractor status limited access to high-street products. Foreign national borrowers are often directed towards rigid, expensive packages unsuitable for short-term assignments. The insistence on no early repayment penalties added additional constraints, as most mainstream lenders impose charges for early loan exits.
With limited time before relocation, delays could have jeopardised both the purchase and the client’s professional transition.
Our Solution
Articus Finance approached select private banks and specialist building societies offering flexibility for international profiles. By presenting the client’s background in detail, including guaranteed contractual income and housing support, we reassured underwriters of credit stability. Negotiation secured:
- A 75 percent LTV interest-only facility from a private bank.
- No early repayment charges to maintain mobility for possible return to France.
- Bespoke underwriting tailored to foreign nationals.
- Fast-track approval ahead of relocation deadline.
- Minimal client involvement during process to reduce administrative burden.
The outcome was a competitive mortgage aligned with the client’s priorities, discreetly finalised within the relocation timetable.
Key Highlights
- Client: French national, contractor relocating to London.
- Property: £800,000 main residence.
- Loan Secured: £640,000 facility.
- LTV: 75 percent.
- Product Type: Interest-only, no ERCs.
- Challenge: Contractor income, foreign national profile, relocation deadline.
- Outcome: Flexible, penalty-free solution delivered ahead of schedule.
Why Articus Finance Delivered
This 75 percent LTV UK mortgage for a French national showcases Articus Finance’s ability to execute under tight deadlines while maintaining bespoke flexibility. Mainstream lenders lacked appetite; our private bank network enabled underwriting on international terms while securing client freedom from early repayment clauses.
Our discreet expertise extends to Foreign National Mortgages, Expat Lending, Private Bank Mortgages, and High Net Worth Financing. Each reflects the same blend of market knowledge, lender access, and personalised execution.
Explore Related Insights
- Foreign National Mortgage Expertise
- Expat UK Mortgages
- High Net Worth Mortgage Facilities
- Private Bank Lending Solutions
- Buy-to-Let Facilities
- Refinancing and Remortgage Options
- Case Study Portfolio
- Specialist Borrower Guides
- FCA Guidance on Mortgages for Foreign Nationals
Final Thoughts
This case demonstrates how a 75 percent LTV UK mortgage for a French national can be secured under demanding timelines and complex conditions. By leveraging specialist lenders and private banks, Articus Finance delivered a bespoke, penalty-free facility that aligned perfectly with the client’s plans and relocation schedule.