Large Refinance £26m Property Portfolio for a British Expat in France
Featured Snippet: Articus Finance delivered a large refinance 26m property portfolio for a British expat in France, securing £18.5m at 70% LTV with a UK private bank, enabling equity release for further prime London acquisitions.
Introduction
Completing a large refinance 26m property portfolio for a British expat in France required specialist structuring, deep private bank relationships, and precise execution. With multiple high-value assets across London and a desire for additional expansion, Articus Finance provided a bespoke and efficient refinancing solution under competitive terms.
Client Background
Our clients, a British couple living in France after an earlier decade in Dubai, operated a thriving construction business in Europe while also owning a substantial UK property portfolio. Their holdings included 30 prime London assets with a combined value of over £26m. Their financial objectives were multi-layered:
- Refinance an existing £10m facility secured against the London portfolio.
- Release an additional £8.5m to fund new UK acquisitions.
- Transition to a single, consolidated facility across all 30 properties.
- Maintain long-term borrowing flexibility despite non-resident status and overseas income.
The Challenge – Large Refinance 26m Property Portfolio for a British Expat in France
The transaction involved high complexity, requiring solutions seldom found with retail lenders. The complexity was not only in the number of properties but also in the expectations around timing, leverage and lender appetite.
- Portfolio scale: 30 individual assets needed consolidation into one coherent lending structure.
- Expatriate residency: French tax residency limited access to mainstream UK finance.
- High leverage requirements: The clients sought 70% LTV across a multi-million portfolio.
- Growth-driven motive: The refinancing strategy had to fund fresh expansion as well as replacing existing debt.
Adding to this was their requirement for speed: the clients had identified potential new Central London opportunities but needed strong liquidity to act quickly, without waiting for complex staged loans. Their cross-border profile created concern for lenders lacking specialist expat expertise. Without the correct approach, the risk was delayed funding, restricted leverage, or fragmented terms across multiple lenders. For clients pursuing long-term expansion, this would have eroded both confidence and investment viability.
Our Solution
Articus Finance’s private network and specialist lender access enabled us to structure a solution tailored precisely to the clients’ profile. Our solution needed to address leverage, residency, and speed simultaneously. Working closely with a UK private bank, our team devised a package that achieved the necessary balance between maximising the available advance and consolidating operational complexity.
- Detailed analysis of the UK property portfolio, overseas income, and corporate cashflows across their French business.
- Structuring a £18.5m private bank loan at 70% LTV, secured across £26.5m of London assets.
- Consolidating debt into one streamlined facility, enhancing liquidity and cashflow predictability.
- Negotiating equity release swiftly, so the couple could seize new opportunities in prime Central London acquisitions.
This approach safeguarded long-term funding stability and ensured their portfolio remained positioned for further scalability. By managing direct dialogue with credit committees, preparing enhanced lending proposals, and presenting the clients’ established success profile, we overcame the typical concerns linked to expatriate borrowers. It demonstrated how a large refinance 26m property portfolio for a British expat in France can be achievable when supported by advisers who understand the nuances of private banking and international investment strategies.
Key Highlights
- Portfolio Value: £26.5m across 30 London properties.
- Facility Structured: £18.5m secured at 70% LTV.
- Objective Achieved: Refinanced £10m of existing debt and released £8.5m equity.
- Lending Partner: Established UK private bank with proven expat expertise.
- Outcome: Successful refinance plus capital for continued portfolio expansion.
Why Articus Finance Delivered
Securing this large refinance 26m property portfolio for a British expat in France demanded expertise unavailable through retail lenders. Articus Finance’s independence, combined with an extensive track record in international and expatriate lending, ensured an optimised structure. Through trusted lender relationships, we provided scalability, certainty of funding, and long-term strategic alignment for high-net-worth clients with international profiles.
Explore Related Insights
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- Foreign National Mortgage Solutions
- Financial Conduct Authority – FCA
Final Thoughts
This case demonstrates that a large refinance 26m property portfolio for a British expat in France is achievable when handled by an experienced adviser with deep private bank access. Articus Finance delivered speed, leverage, and lender confidence, unlocking both refinancing and expansion potential for the client’s London investments.
