Americas Desk · USD / CAD / GBP
Minimum International Facility Size: £200,000 (or currency equivalent)
For North American family offices and syndicates, US-based UK expats and transatlantic trade operators deploying dollar capital into sterling assets.
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.
USA & The Americas focus: Trophy commercial office assets, purpose-built student accommodation (PBSA) and retail parks.
Letters of Credit, revolving import/export lines, purchase order finance, and international invoice discounting tailored to regional trade flows.
USA & The Americas focus: Transatlantic industrial equipment, aerospace/tech component supply chains and freight finance.
Senior development debt, mezzanine loans, and joint-venture equity for large BTR, commercial schemes, and conversions.
USA & The Americas focus: Institutional Build-to-Rent syndications, resort/hotel conversions and urban renewal.
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.
Debt placed with UK specialist lenders and private banks that already lend to US citizens and green card holders and handle the associated IRS reporting.
Sterling facilities supported by USD balance sheets and dollar-denominated liquidity reserves. We do not give currency hedging advice.
UK acquisitions through US Delaware LLCs, Canadian corporations or UK SPV subsidiaries, subject to lender acceptance.
Large commercial real estate term debt (£2m–£50m+), revolving transatlantic trade facilities and senior construction loans for large residential and commercial developments.
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 USD | Enter an exchange rate |
Exchange rate: awaiting your USD 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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