Buy-to-Let & Expat Residential Mortgages
Personal and SPV buy-to-let, HMO and residential lending for overseas earners.
International & Expat Desk
Inward UK Investment, Commercial Debt & Global Trade Finance
Minimum International Facility Size: £200,000 (or currency equivalent)
UK mortgages, buy-to-let and property finance for expats and overseas residents — manually underwritten for complex multi-currency income and cross-border tax structures.
Discuss Your Overseas Scenario
No credit bureau searches at this initial stage.
Four Core Pillars
What the International Desk Funds
UK Commercial Property Investment
Freehold and long-leasehold acquisitions up to 75% LTV via UK SPVs or offshore holding companies.
International Trade & Supply Chain Finance
Letters of Credit, import/export lines, purchase order finance and invoice discounting.
Large Project & Development Funding
£5m–£50m+ senior debt, mezzanine and JV equity for BTR, commercial schemes and conversions.
The Challenge Matrix
Why Overseas Cases Need a Specialist
Multi-Currency Income
ZAR, AED, TRY, HKD, USD and EUR earnings assessed by lenders that accept overseas income — not just sterling payslips.
FX Haircuts
Lenders typically discount foreign income by a margin to cover currency swings. We target the panels with the lightest haircut for your currency.
SARB & Tax Advisory Coordination
We work alongside your exchange-control and tax advisers so funds, allowances and structures are lined up before an offer is issued.
Personal or SPV Ownership
Buy in your own name or through a UK limited company, with lenders that accept non-resident directors and shareholders.
Time-Zone Friendly Process
Remote ID, digital signatures and broker calls arranged around your working day overseas.
Thin UK Credit Footprint
Specialist lenders who underwrite on overseas credit history and assets when you have little or no UK file.
Regional Hubs
Choose Your Region
Featured Desk
South Africa
ZAR income, SARB allowances and UK buy-to-let, HMO and residential finance.
View South Africa deskDubai & The Gulf
Tax-free AED and USD income from the UAE and wider GCC.
View Dubai & The Gulf deskTürkiye
Hedging TRY wealth into sterling-denominated UK property.
View Türkiye deskHong Kong
HK residents and BN(O) visa holders relocating or investing in the UK.
View Hong Kong deskEurope, EU & EEA
EUR and CHF capital, EU holding structures and post-Brexit trade finance.
View Europe, EU & EEA deskUSA & The Americas
USD capital, FATCA-experienced lenders and transatlantic trade lines.
View USA & The Americas deskInstitutional Cross-Border Debt & Equity Solutions
Large-Scale European & Turkish Corporate Finance (>€5m)
For major corporate transactions, commercial real estate developments, and expanding enterprises across the European Union and Türkiye, Acorn.finance structures cross-border debt and equity facilities exceeding €5,000,000.
By tapping into global institutional capital pools, we can frequently secure interest rates and equity terms that significantly outperform local domestic bank rates — subject to rigorous credit and underwriting standards.
Capital Range
€5m to €100m+
Structures
Senior Debt, Mezzanine, Growth Equity and JV Capital
Geographic Reach
Full European Union (EU) Coverage & Türkiye
Rate Benchmark
Institutional cross-border pricing structured to beat local inflation and interest rates
Inquire for >€5m Corporate Funding
No credit bureau searches at this initial stage.
Indicative only. Institutional facilities are subject to lender and investor credit approval. Acorn.finance is a credit broker, not a lender.
International repayment comparison
Your Repayments in Sterling & Local Currency
Exchange rate source: manually entered by you, not a live market feed. Use a recent rate from your bank or FX provider. Changing currency clears the rate.
Estimated monthly payment
| In GBP | GBP 1,610.75 |
|---|---|
| In GBP | GBP 1,610.75 |
Exchange rate used: £1 = 1 GBP
| Total payments, including capital | GBP 483,226.05 |
|---|---|
| Total interest | GBP 233,226.05 |
| Capital due at end of term | GBP 0.00 |
Assumptions & limitations
Illustrative starting figures: £250,000 at 6% annually over 25 years — not a lender quote. Payments are monthly in arrears; interest is the annual nominal rate divided by 12 and is assumed unchanged for the full term. Capital and interest payments fully repay the loan over the selected term. Conversion uses one fixed exchange rate for illustration; sterling repayments do not change with FX, but their local-currency cost can rise or fall. Fees, insurance, taxes, FX spreads, transfer costs and lender-specific calculations are excluded. This is an estimate, not an offer or affordability assessment; actual rates and payments depend on lender approval.
Acorn.finance is a credit broker, not a lender. Overseas income, currency and exchange-control matters are assessed by lenders case by case; we do not give tax, legal or exchange-control advice — please take independent advice in your country of residence and in the UK. Acorn.finance & Acorn.mortgage are trading styles of Paul Thompson. Authorised and regulated by the Financial Conduct Authority (FCA #660207). Commercial mortgages, unregulated bridging, and business loans are not all regulated by the FCA. Your home may be repossessed if you do not keep up repayments on your mortgage.