Multi-Currency Income
ZAR, AED, TRY, HKD, USD and EUR earnings assessed by lenders that accept overseas income — not just sterling payslips.
International & Expat Desk
Cross-Border Property Debt, Structured From Wherever You Earn
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
Soft search only — never affects your credit score.
The Challenge Matrix
Why Overseas Cases Need a Specialist
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 deskDesk page coming soon
Europe & EEA
We already place cases for EUR earners — call 0207 959 3882 while this guide is prepared.
Desk page coming soon
USA & Americas
We already place cases for USD earners — call 0207 959 3882 while this guide is prepared.
Institutional 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
Soft search only — never affects your credit score.
Indicative only. Institutional facilities are subject to lender and investor credit approval. Acorn.finance is a credit broker, not a lender.
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.