AREA: Surrey
AMOUNT RAISED: £20 million
PRODUCT USED: Bespoke
It’s common for us to work with high-net-worth individuals from around the world who wish to invest in prime UK property. Our extensive network of lenders and experience with complex financial structures allow us to create bespoke solutions for even the most challenging scenarios.
Client Scenario
We recently assisted a client based in Southeast Asia who wanted to purchase a £25 million country estate in Surrey.
The client, a successful entrepreneur, had a complicated financial profile with income from various international businesses and investments held in multiple offshore accounts. They required a substantial loan of £20 million to complete the purchase.
The complexity of the case stemmed from several factors:
- The client’s non-UK resident status
- Their intricate income structure spanning multiple countries
- The high-value nature of the property and loan amount
- A tight completion deadline
Funding Solution
We identified a private bank with a strong presence in both the UK and Asia as the ideal lender for this case.
Our longstanding relationship with this bank allowed us to present the client’s financial situation clearly and effectively.
We negotiated a bespoke financing package that included:
- A £20 million loan at a competitive rate of 0.95% over SONIA (Sterling Overnight Index Average)
- A 5-year fixed term with the option to switch to a variable rate after 2 years
- Interest-only repayments for the first 3 years, switching to part capital repayment thereafter
- A modest arrangement fee of 0.5%
The bank appreciated the client’s global business acumen and the potential for future wealth management opportunities, which helped secure favourable terms.
Final Outcome
Thanks to our expertise and connections, we completed the entire process within six weeks, meeting the seller’s tight deadline. The client successfully purchased their dream UK estate and was particularly pleased with the flexible repayment structure, which complemented their cash flow projections.
This case highlights our ability to arrange substantial property finance for international clients with complex financial backgrounds. By leveraging our relationships with specialist lenders and our understanding of global wealth structures, we can often find solutions where others may struggle. Whether you’re an overseas investor looking to buy UK property or a domestic client with unique financial circumstances, Bridging Finance London has the expertise to help you achieve your property goals.
