Buy to Let Remortgage for French National
Featured Snippet: Learn how Articus Finance secured a buy to let remortgage for French national client on a central London new-build property, navigating international income complexities to deliver a competitive fixed-rate investment solution.
Introduction
Securing a buy to let remortgage for French national clients involves overcoming unique lending challenges. International investors are often faced with hurdles in proving their financial history in the UK and meeting strict lender criteria. In this case, Articus Finance supported a French investor who wished to refinance their prime central London apartment after purchasing it with bridging finance. Our bespoke solution transitioned them from a short-term loan to a stable, long-term buy-to-let structure.
Client Background
The client, a French national and non-domiciled UK resident, owned a new-build apartment in central London valued at £875,000. Originally purchased with bridging finance to secure the property quickly, the unit was tenanted under an assured shorthold tenancy agreement. The outstanding balance of the bridging finance was £560,000, and the client now required a conventional buy-to-let mortgage that offered stability, efficiency, and reduced costs.
As their only UK asset, with income generated abroad, the client faced limited domestic credit history. Traditional lenders would typically require a stronger UK financial footprint to approve mortgage facilities, creating significant barriers to refinance in time.
The Challenge
The key issues facing the borrower included:
- Transitioning from a short-term bridging facility to a long-term mortgage quickly to reduce financing costs.
- Proving suitability for credit in the absence of significant UK-based financial history.
- Aligning overseas income in France with UK-based affordability models.
- Securing a lender experienced in supporting non-domiciled borrowers investing under assured shorthold tenancy agreements.
The client was motivated to cover any shortfall in loan-to-value using cash savings but required a specialist broker to identify which lenders would accept their application in light of limited UK ties.
Our Solution
Articus Finance stepped in to structure a tailored solution built on our relationships with specialist lenders accustomed to cross-border financing.
- We matched the client with a building society that actively lends to foreign nationals based on overseas income.
- A fixed-rate buy-to-let mortgage product was negotiated, ensuring cost stability amidst rising Bank of England rate changes.
- The final secured loan amount was £520,000, complemented by client-funded savings used to bridge the shortfall against the bridging finance balance.
- Direct communication with lender underwriters expedited approval, cutting through the delays often encountered by non-UK credit applicants.
By transitioning to a long-term mortgage, the client achieved cost savings, refinancing stability, and a stronger platform for holding UK investment property under a sustainable structure.
Key Highlights
- £875,000 central London new-build apartment secured under buy-to-let remortgage.
- French national client with limited UK footprint achieved approval.
- £520,000 loan arranged on competitive fixed-rate terms.
- Transition from expensive bridging finance to structured buy-to-let product.
- Strong rental profile supported lender’s affordability checks.
- Reduced long-term borrowing costs despite fluctuating Bank of England rates.
Why Articus Finance Delivered
Arranging a buy to let remortgage for French national clients requires broker understanding of cross-border income structures and niche lenders able to evaluate foreign nationals fairly. By mobilising our lender relationships, Articus Finance provided solutions beyond mainstream retail banks. The expertise of our team enabled us to secure approval where standard lenders would have declined, delivering both speed and cost efficiency to the client’s investment strategy.
Our experience with French, European, and wider international clients reinforces our reputation for navigating complex expat and foreign national mortgage requirements, ensuring overseas investors can seamlessly finance UK property with confidence.
Explore Related Insights
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- Private Bank Mortgage Case Study
- Self-Build Mortgage for UK Resident
- High Net Worth Mortgage Success
- Bridging Finance for Luxury Property
- Development Exit Finance Solution
- Financial Conduct Authority – FCA
Final Thoughts
This case highlights how arranging a buy to let remortgage for French national clients requires expert brokerage, niche lender connections, and a clear understanding of cross-border credit complexities. Articus Finance’s effective structuring ensured our client transitioned smoothly from bridging finance to a long-term mortgage, locking in stability while managing international financial considerations.