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Helping a Hong Kong couple invest in UK property

Providing a consumer buy-to-let and corporate buy-to-let mortgage for clients based in Hong Kong.

Our clients’ wishes

Hong Kong based couple, Mr and Mrs X, were introduced to us by a well-known brokerage firm. They were keen to start investing in the UK property market, having found properties to purchase, but needed an urgent credit decision after their existing bank had let them down.

For the first transaction, Mr X wanted to release £600,000 in equity from his buy-to-let (BTL) property, valued at around £1,200,000. This property was paid off in full and was held in his name.

The second transaction involved both Mr and Mrs X. As owners of a new UK-based Limited company, they wanted to buy three new-build investment properties in London for a total of £1,300,000. They needed a mortgage of £840,000, equal to 65% of the total value.

Our clients' situation

For the first transaction, Mr X’s role as Chief Operating Officer of a prominent hedge fund in Hong Kong and his prior residency in the investment property enabled us to structure a consumer buy-to-let mortgage of £600,000 quickly. This provided Mr X with immediate reassurance.

Having analysed Mr X’s income sources in detail – including salary, bonuses, and share options – for the first request, we were also able to progress the second transaction. For this, we structured a corporate buy-to-let mortgage, accommodating the clients’ desire to stagger their purchases as each new build property completed at different intervals.

Given the Limited company’s recent establishment, we applied additional safeguards by taking a charged cash deposit equivalent to one year’s interest cover. This arrangement satisfied both the clients and us as the lender, offering extra security for the transaction.

Having analysed Mr X's income sources in detail - including salary, bonuses, and share options - for the first request, we were also able to progress the second transaction.

Our clients' outcome

During conversations with us, Mr and Mrs X had also raised concerns about economic uncertainty. To provide them with reassurance, we structured both facilities with 5-year fixed-rate terms, giving them certainty over their monthly repayment amounts. Additionally, we offered a 15-year overall term for each facility, backed by multiple, clearly evidenced repayment strategies.

Mr and Mrs X shared their high satisfaction with us throughout the process. They have now exchanged contracts on all three properties, and the cases are now progressing through the legal stages to completion.

 

By delivering tailored solutions for both the clients’ consumer and corporate buy-to-let transactions, we not only met their expectations but also ensured their entry into the UK property market was both smooth and secure.

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Email our credit specialists directly at [email protected] or call +44 (0)1624 645000 to speak to our client services team.

Any examples of investments and structures used are for illustrative purposes only. This case study does not constitute an invitation or inducement to buy any financial investment or service. None of the content constitutes advice or a personal recommendation. Individuals should seek professional advice, based on their jurisdiction and personal circumstances, before making any financial decision.

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