Europe Desk · EUR / CHF / GBP
Minimum International Facility Size: £200,000 (or currency equivalent)
For European family offices, corporate entities and UK expats across France, Spain, Germany, Benelux and Ireland deploying capital into UK real estate and managing post-Brexit cross-border supply chains.
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.
Commercial, Trade & Project Finance
Freehold and long-leasehold acquisitions (offices, logistics, retail, care facilities) funded up to 75% LTV via UK SPVs or offshore holding companies.
Europe, EU & EEA focus: Multi-let logistics and distribution hubs connected to UK freeports and ports.
Letters of Credit, revolving import/export lines, purchase order finance, and international invoice discounting tailored to regional trade flows.
Europe, EU & EEA focus: Post-Brexit transit lines, bonded warehouse financing and EU-UK supply chain facilities.
Senior development debt, mezzanine loans, and joint-venture equity for large BTR, commercial schemes, and conversions.
Europe, EU & EEA focus: Renewable energy schemes, pan-European logistics parks and student housing blocks.
Indicative only. LTVs, facility sizes and structures are subject to lender and investor credit approval. Trade finance and commercial lending are not regulated by the FCA.
EUR, CHF, NOK, SEK and GBP income and balance sheets presented to lenders that accept European earnings and assets.
Facilities addressing UK-EU customs, VAT deferment guarantees and import/export duty friction, including bonded warehouse inventory debt.
UK commercial property purchased through EU vehicles such as Luxembourg SCSps, Irish DACs and Dutch BVs, or UK SPV subsidiaries — subject to lender acceptance.
Commercial mortgages (up to 75% LTV), cross-border receivables financing, bonded warehouse inventory debt and large logistics development loans.
International repayment comparison
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.
| In GBP | GBP 1,610.75 |
|---|---|
| In EUR | Enter an exchange rate |
Exchange rate: awaiting your EUR per £1 rate
| Total payments, including capital | GBP 483,226.05 |
|---|---|
| Total interest | GBP 233,226.05 |
| Capital due at end of term | GBP 0.00 |
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.
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