{"id":13544,"date":"2022-11-16T13:26:12","date_gmt":"2022-11-16T05:26:12","guid":{"rendered":"https:\/\/www.dev.articusfinance.com\/uncategorized-hk\/large-refinance-26m-property-portfolio-for-a-british-expat-in-france"},"modified":"2023-09-15T11:20:31","modified_gmt":"2023-09-15T03:20:31","slug":"large-refinance-26m-property-portfolio-for-a-british-expat-in-france","status":"publish","type":"post","link":"https:\/\/backup.articusfinance.com\/hk\/case-studies\/large-refinance-26m-property-portfolio-for-a-british-expat-in-france","title":{"rendered":"Large refinance &#8211; \u00a326m property portfolio for a British expat in France"},"content":{"rendered":"<h2 style=\"color: #134f5c; font-size: 15px; font-family: Verdana, Geneva, sans-serif;\"><strong>The case in brief<\/strong><\/h2>\n<p><!--more--><\/p>\n<ul>\n<li>Client: <span style=\"font-size: 12px;\">France Expat<\/span><\/li>\n<li>Property type: <span style=\"font-size: 12px;\">Portfolio Refinance<\/span><\/li>\n<li>Property value: \u00a3<span style=\"font-size: 11px;\">26.5m<\/span><\/li>\n<li>Loan Amount: <span style=\"font-size: 12px;\">\u00a318.5m <\/span><\/li>\n<li>LTV: 70%<\/li>\n<\/ul>\n<p style=\"text-align: justify;\"><span style=\"font-family: Verdana, Geneva, sans-serif;\">Despite the impending interest rate rise, overseas investors still have a very healthy appetite for UK property assets. At Articus, we are regularly approached by<span style=\"text-decoration: none;\"> <span style=\"text-decoration: underline; color: #45818e;\"><a style=\"font-weight: normal; color: #45818e; text-decoration: underline;\" href=\"https:\/\/backup.articusfinance.com\/hk\/high-net-worth-mortgages\" rel=\"noopener\">HNW<\/a><span style=\"font-weight: normal;\"> investors<\/span><\/span><\/span> looking to expand their UK property portfolios by using debt.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-family: Verdana, Geneva, sans-serif;\">However, portfolio refinances can be very tricky when you are looking to secure one mortgage against a number of properties.<\/span><\/p>\n<p><span style=\"font-family: Verdana, Geneva, sans-serif;\"><span style=\"font-style: normal; font-weight: normal;\">Suppose you\u2019re currently searching for property finance although living overseas. In that case, our page, <\/span><a style=\"font-style: normal; font-weight: normal;\" href=\"https:\/\/backup.articusfinance.com\/hk\/uk-mortgages-for-french-residents\" rel=\"noopener\"><span style=\"text-decoration: underline; color: #45818e;\">UK Mortgages For Residents in France<\/span><\/a><span style=\"font-style: normal; font-weight: normal;\">, could be a worthwhile read \u2013 To find out more about how we do it, explore our <\/span><a href=\"https:\/\/backup.articusfinance.com\/hk\/overseas-mortgages\" rel=\"noopener\"><span style=\"font-style: normal; font-weight: normal; color: #45818e;\"><u>Overseas Mortgages page<\/u><\/span>.<\/a><\/span><\/p>\n<p>&nbsp;<\/p>\n<h2 style=\"color: #134f5c; font-size: 15px; font-family: Verdana, Geneva, sans-serif;\"><strong>Our client<\/strong><\/h2>\n<p style=\"text-align: justify;\"><span style=\"font-family: Verdana, Geneva, sans-serif;\">Our clients were an English couple currently residing in France after having previously lived in Dubai. They own a successful construction company in France. They were referred to Articus by their friends who we had recently assisted and were in a similar situation.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-family: Verdana, Geneva, sans-serif;\">The couple has a vast portfolio of 30 high-value properties in London which they had collected over the years. The total value of these properties was \u00a326.5 million. They were looking to refinance their current debt of \u00a310m and release another \u00a38.5m in order to add properties to the portfolio.<\/span><\/p>\n<p><span style=\"font-family: Verdana, Geneva, sans-serif;\"><strong style=\"color: #000000; background-color: transparent;\">O<span style=\"color: #134f5c;\">ur solution<\/span><\/strong><\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-family: Verdana, Geneva, sans-serif;\">Upon contacting Articus Finance, our client was reassured that our broker would undertake a full review of their financial situation, income streams and businesses to ensure that our team explore every potential finance avenue available to them.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-family: Verdana, Geneva, sans-serif;\">Due to our market knowledge and network, we approached a UK <span style=\"color: #45818e;\"><a style=\"color: #45818e; font-weight: normal; text-decoration: underline;\" href=\"https:\/\/backup.articusfinance.com\/hk\/private-bank-mortgages\" rel=\"noopener\">private bank<\/a><\/span> who we work closely with. They were comfortable with the non-residency and overseas income. Ultimately, we managed to release all the equity they required resulting in a <span style=\"color: #45818e;\"><a style=\"text-decoration: underline; color: #45818e; font-weight: normal;\" href=\"https:\/\/backup.articusfinance.com\/hk\/high-loan-to-value-mortgages\" rel=\"noopener\">high loan-to-value mortgage.<\/a><\/span><\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-family: Verdana, Geneva, sans-serif;\"><a href=\"https:\/\/backup.articusfinance.com\/hk\/contact#contact-form\" rel=\"noopener\">Get in touch <\/a>today to discuss your mortgage needs with one of our brokers. We specialise in <span style=\"font-weight: normal;\">high-value<\/span><a style=\"text-decoration: none; font-weight: normal;\" href=\"https:\/\/backup.articusfinance.com\/hk\/overseas-mortgages\" rel=\"noopener\"> <span style=\"text-decoration: underline; color: #45818e;\">overseas<\/span><\/a><span style=\"text-decoration: underline; color: #45818e;\"> borrowers<\/span>,<a style=\"font-weight: normal; text-decoration: underline;\" href=\"https:\/\/backup.articusfinance.com\/hk\/expat-mortgages\" rel=\"noopener\"> <span style=\"color: #45818e; text-decoration: underline;\">expats<\/span><\/a> or <span style=\"color: #45818e;\"><a style=\"font-weight: normal; text-decoration: underline; color: #45818e;\" href=\"https:\/\/backup.articusfinance.com\/hk\/foreign-national-mortgages\" rel=\"noopener\">f<\/a><a style=\"font-weight: normal; text-decoration: underline; color: #45818e;\" href=\"https:\/\/backup.articusfinance.com\/hk\/foreign-national-mortgages\" rel=\"noopener\">oreign nationals<\/a><\/span><strong>.<\/strong><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The case in brief<\/p>\n","protected":false},"author":1,"featured_media":13545,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","footnotes":""},"categories":[38],"tags":[],"class_list":["post-13544","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-case-studies"],"acf":[],"jetpack_featured_media_url":"https:\/\/backup.articusfinance.com\/wp-content\/uploads\/2023\/02\/pexels-domenico-bandiera-5098523-scaled.jpg","_links":{"self":[{"href":"https:\/\/backup.articusfinance.com\/hk\/wp-json\/wp\/v2\/posts\/13544","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/backup.articusfinance.com\/hk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/backup.articusfinance.com\/hk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/backup.articusfinance.com\/hk\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/backup.articusfinance.com\/hk\/wp-json\/wp\/v2\/comments?post=13544"}],"version-history":[{"count":1,"href":"https:\/\/backup.articusfinance.com\/hk\/wp-json\/wp\/v2\/posts\/13544\/revisions"}],"predecessor-version":[{"id":21169,"href":"https:\/\/backup.articusfinance.com\/hk\/wp-json\/wp\/v2\/posts\/13544\/revisions\/21169"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/backup.articusfinance.com\/hk\/wp-json\/wp\/v2\/media\/13545"}],"wp:attachment":[{"href":"https:\/\/backup.articusfinance.com\/hk\/wp-json\/wp\/v2\/media?parent=13544"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/backup.articusfinance.com\/hk\/wp-json\/wp\/v2\/categories?post=13544"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/backup.articusfinance.com\/hk\/wp-json\/wp\/v2\/tags?post=13544"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}