{"id":23853,"date":"2024-10-08T19:46:40","date_gmt":"2024-10-08T11:46:40","guid":{"rendered":"https:\/\/backup.articusfinance.com\/?p=23853"},"modified":"2025-09-06T00:37:50","modified_gmt":"2025-09-05T16:37:50","slug":"high-loan-to-value-mortgage-for-uae-resident","status":"publish","type":"post","link":"https:\/\/backup.articusfinance.com\/hk\/case-studies\/high-loan-to-value-mortgage-for-uae-resident","title":{"rendered":"Successful High Loan to Value Mortgage for UAE Resident via Private Bank \u2013 \u00a33.23m Secured"},"content":{"rendered":"

Successful High Loan-to-Value Mortgage for UAE Resident via Private Bank \u2013 \u00a33.23m Secured<\/span><\/h1>\n

Articus Finance<\/strong><\/a> secured a \u00a33.23 million high loan-to-value mortgage for a UAE resident and UK citizen through a private bank, achieving a flexible structure that met the client\u2019s complex needs.<\/strong><\/span><\/p>\n

Introduction<\/span><\/h2>\n

Securing a high loan to value mortgage for UAE resident<\/strong> clients is consistently regarded as one of the hardest aspects of international property finance. When loan sizes exceed \u00a32m, the options narrow sharply, as mainstream lenders restrict loan-to-value (LTV) ratios. This case study demonstrates how Articus Finance<\/strong><\/a> sourced a bespoke 85% LTV mortgage through a private bank for a client relocating from the US to the UAE, bridging liquidity challenges with creativity and precision.<\/span><\/p>\n

Client Background<\/span><\/h2>\n

The client was a British expat who had recently moved to the UAE after an extended period in the US. With his family planning to return to the UK, he identified a London property valued at \u00a33.8 million to serve as their family home. He intended to fund this through sale proceeds from his US home. However, slow progress in the American sale meant he could only place down a modest deposit immediately. Like many global executives navigating relocation, he found himself asset-rich yet temporarily cash-constrained.<\/span><\/p>\n

His requirement was clear: secure a high-value residential mortgage with minimal deposit input, while ensuring he had time to release equity from his US property. This demanded a high loan to value mortgage for UAE resident<\/strong> status, which many lenders would decline outright at sums above \u00a32m.<\/span><\/p>\n

The Challenge in Securing a High Loan to Value Mortgage for UAE Resident<\/span><\/h2>\n

Even for experienced investors, lenders usually cap large mortgages at 65% LTV once facilities surpass \u00a32m. For a property worth \u00a33.8m, this would normally restrict borrowing to under \u00a32.5m \u2013 leaving a sizeable deposit gap. The client therefore faced the unattractive choice of either delaying his family\u2019s return to the UK or placing further capital at risk while waiting to sell his US property.<\/span><\/p>\n

In addition, lenders scrutinise expatriate income carefully, especially when sourced across jurisdictions like the US and UAE. Coupled with the size of the transaction, this presented multiple underwriting risks. Finding a private bank willing to assess the case constructively, and stretch beyond normal LTV limits, was therefore paramount.<\/span><\/p>\n

Our Solution<\/span><\/h2>\n

Articus Finance<\/strong><\/a> leveraged its deep network of private banking partners. We identified a lender with appetite for structuring unconventional arrangements, provided there was a strong medium-term strategy to reduce risk. By demonstrating that proceeds from the US property sale would reduce the loan from 85% to 70% LTV within twelve months, we persuaded the bank to commit.<\/span><\/p>\n

The mortgage of \u00a33.23 million was agreed at 85% LTV \u2013 far above typical limits. Importantly, the terms were framed to allow downward adjustment once liquidity was released from the US, minimising long-term risk while solving the client\u2019s short-term problem. The facility gave the family immediate access to their new home while protecting long-term affordability.<\/span><\/p>\n

This success underlines the advantage of securing high loan to value mortgage for UAE resident<\/strong> clients via private banks. Flexibility, relationship-based underwriting, and structured negotiations enable outcomes far beyond what mainstream lenders can achieve.<\/span><\/p>\n

Key Highlights<\/span><\/h2>\n