CASE STUDY
At Henry Dannell, we recently supported a UK expat property investor, based in Canada, in successfully remortgaging two commercial properties in the UK. The transaction not only secured interest rates which were lower than expected but also released valuable capital to fund the client’s next phase of investment.
Client Overview
Our client is a seasoned portfolio landlord and a permanent resident of Canada, with longstanding ties to the UK property market. Their goal was to remortgage two UK-based commercial units to unlock equity for future investment opportunities.
While the request appeared straightforward, the expat status introduced a level of complexity, as many UK lenders tend to view expat borrowers as higher risk, particularly when the properties are commercial. As a result, traditional mortgage channels were limited.
Our Approach
Drawing on our specialist experience in commercial mortgages for expats, we worked closely with our network of lenders to overcome the perceived risk associated with non-UK residency. Our strategy included:
- Presenting a detailed and well-structured proposal that showcased the client’s strong financial profile, track record as a landlord, and investment plan supported by financial projections
- Leveraging long-standing relationships with decision-makers at specialist lenders who can take a more holistic, case-by-case view
- Demonstrating the performance of the assets and the client’s ability to maintain and grow their portfolio sustainably
By focusing on the strength of the underlying investment and the client’s proven capability, we successfully secured a competitive remortgage facility across both properties.
Outcome
Our client achieved:
- Highly competitive interest rates on both commercial units, despite their expat status
- A reduction in monthly outgoings, improving cash flow, and long-term yield
- Access to capital that can now be used to fund additional investment projects, both in the UK and internationally
This case demonstrates how a strategic, relationship-led approach to specialist commercial mortgages can overcome residency challenges and unlock value for expat landlords.
Matt Karagul, Head of Specialist Lending at Henry Dannell, commented:
“At Henry Dannell, navigating complexity is what we do best. Many of our clients come to us after being told their goals aren’t possible. In this case, it was about leveraging relationships and understanding the details of the client’s financial picture. That’s where specialist finance comes into its own.”
Specialist Commercial Mortgage Support for Overseas Investors
Whether you are an expat property investor, international business owner, or UK national living abroad, our team can help you:
- Remortgage commercial properties in the UK from overseas
- Raise capital against existing commercial or semi-commercial assets
- Access commercial mortgage solutions for mixed-use, retail, office, or portfolio assets
- Secure finance through a limited company or LLP structure
We understand the intricacies of international property and work with a broad network of lenders to find solutions tailored to your circumstances.
Speak with us today to explore how we can help you access UK property finance from abroad.
This is a case study and not indicative of typical results. Past performance is not necessarily representative of future results. This information is for general purposes only and does not constitute financial advice. Please seek professional advice before making any financial decisions.
Please note: a mortgage is secured against your home or property. Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.
