US clients secure UK property for future relocation
A wealth planner, private bank and investment manager all-in-one.
Our clients’ wishes
A husband and wife based in the US, and introduced to us by a trusted UK broker, wanted to purchase a property in the UK to support their long-term relocation plans.
With a move driven by family priorities, Mrs Y intended to relocate first to be closer to her mother. In the interim, Mr Y will travel between the US and UK as required, before relocating permanently following his retirement.
Our clients’ situation
Both clients have enjoyed highly successful careers and have built substantial wealth through diversified investments, including multiple properties, portfolios and pension vehicles.
While Mrs Y will no longer earn an income once she relocates, Mr Y will continue to generate significant earnings throughout the mortgage term, providing ongoing financial strength.
Working closely with the clients, we structured the borrowing to align with their lifestyle, expenditure, and long-term plans. This included assessing how their assets such as investment portfolios, cash reserves and retirement funds, could support both the servicing of a £1.8m mortgage and the overall contribution towards a £2.65m property purchase.
A clear and robust repayment strategy was established, with plans to repay the mortgage through the future sale of their US property. As a contingency, the clients also have access to significant liquid assets and pension funds, ensuring multiple secure repayment options.
To address these challenges, a broader and more strategic approach was taken.
Our clients’ outcome
A tailored solution was agreed, allowing lending of up to 70% loan-to-value (LTV), with two scheduled annual bullet repayments in the first two years to reduce the LTV to 60%.
With strong liquidity available, the clients were comfortable proceeding with this structure. The transaction progressed smoothly, with the valuation completed and the offer issued and accepted promptly.
The clients were pleased with the speed, clarity and flexibility of the process, and confident that the structure fully supports their future plans to relocate and settle in the UK.
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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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