Hong Kong Desk · HKD Income & BN(O)
Minimum International Facility Size: £200,000 (or currency equivalent)
Relocating on a BN(O) visa or investing from Hong Kong — we match HKD income and limited UK history to lenders that accept both.
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.
Book a Direct Call with FoyCommercial, 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.
Hong Kong focus: High-street retail, London and regional commercial units, and mixed-use assets.
Letters of Credit, revolving import/export lines, purchase order finance, and international invoice discounting tailored to regional trade flows.
Hong Kong focus: Import/export revolving credit lines and supply chain financing for electronics, consumer goods and components.
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.
Your Dedicated Hong Kong & BN(O) Relocation Specialist
Hong Kong Desk Lead & Commercial Broker | 香港及BNO移居貸款專家
Languages Spoken: English & Cantonese (廣東話)
Hong Kong Desk Lead & Commercial Broker providing fluent, native Cantonese-language advisory for HK expats, BN(O) relocations, and commercial borrowers.
Navigating UK property acquisition from Hong Kong requires a clear understanding of HKD income verification, BN(O) visa timing, and specialist UK lender criteria. Foy Mach provides direct, Cantonese-language support for Hong Kong residents, expats, and family offices. For regulated residential mortgages, Foy works in close tandem with our regulated mortgage adviser, Adrian McClaren, ensuring a seamless journey from initial assessment to completion.
No credit bureau searches at this initial stage.
Indicative loan-to-value (LTV) limits, not guaranteed eligibility. Visa conditions, deposit requirements, income acceptance and maximum borrowing vary by lender and individual circumstances.
Up to 75%–80% LTV
HKD income accepted
Up to 85% LTV
Minimum 12 months remaining on visa
Up to 85% LTV
Joint income considered
Up to 75% LTV
SPV limited company or personal name
Residential mortgages for BN(O) visa holders with limited UK residency or credit history, using lenders with dedicated visa policies.
Hong Kong salaries, bonuses and business income assessed by lenders familiar with USD-pegged HKD earnings.
Buy-to-let and SPV purchases for Hong Kong residents building a UK portfolio from overseas.
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 HKD | Enter an exchange rate |
Exchange rate: awaiting your HKD 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.
Commercial & Property Debt
Document preparation
Document requirements vary by lender and circumstances. Collected documents are not uploaded or verified here.
Lenders verify identity and residency rights. Include clear valid ID and visa approval or status evidence where applicable; overseas investor applications may have different requirements.
Supply a recent utility bill or bank statement showing your full name and address. Ask whether a certified translation is needed if the document is not in English.
Statements verify income and regular commitments. Include all pages, account details and salary entries; unexplained large transfers may require supporting evidence.
These help reconcile employment income with tax records. IR56B is an employer’s remuneration return; provide the latest copy available and ask your adviser about alternatives if self-employed.
An MPF statement can support employment and contribution history. Include the latest full statement; explain any exemption or missing contributions to your adviser.
Provide the source of funds and the transfer trail into the UK, not just the final balance. Keep names, dates and amounts visible, with evidence for gifts or asset sales where relevant.
0 of 6 documents collected — 0%
Progress is saved on this browser only. No documents or personal details are stored in this checklist. Portal sign-in may be required.
International desk questions
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.
Senior Broker Available • No Switchboards
