International Mortgage (HNW Clients)

Global Financing Solutions for Elite Clients.

Matwill Capital assists High-Net-Worth (HNW) clients from around the world in financing property purchases in the UK, offering bespoke solutions across residential and investment sectors.

Benefits

  • Bespoke financing strategies

  • Access to private banks and specialist lenders

  • Expertise with offshore entities and complex structures

  • Customized currency and taxation advice

What Is an International Mortgage?

An International Mortgage refers to a UK mortgage tailored for non-UK residents, expats, and high-net-worth individuals (HNWIs) who wish to purchase or refinance UK property — whether for investment, second-home use, or asset diversification.

These Mortgages Are Designed For Clients Who:

  • Live and work outside the UK

  • Earn in foreign currencies

  • Hold global asset portfolios

  • Use trusts or offshore entities

  • Have complex income structures (e.g. dividends, carried interest, multiple jurisdictions)

Applicable To:

  • Residential purchases (primary or second homes)

  • Buy-to-let or investment properties

  • Luxury real estate in Central London and beyond

  • Remortgage or equity release from UK property

Why It Matters

The UK property market is a trusted asset class for international investors — but securing a mortgage as a non-resident or HNW client involves added complexity.

With the Right Adviser, You Can:

  • Access private banks and niche international lenders

  • Structure loans tax-efficiently (onshore/offshore/SPV)

  • Navigate currency risk, documentation, and legal restrictions

  • Avoid rejected applications due to unfamiliar financial profiles

  • Reduce exposure with interest-only, multi-currency, or asset-backed structures

For HNW individuals, a mortgage is not just a loan — it’s part of a broader wealth strategy.

Who Is This For?

Ideal for:

  • Non-UK residents buying property in England or Wales

  • UK expats living abroad but investing or returning

  • Overseas investors from Asia, Middle East, Europe, Africa, and North America

  • HNW individuals with income from businesses, trusts, or investment portfolios

  • International company directors or entrepreneurs buying personally or via SPV

  • Family offices and asset managers seeking multi-property or structured lending

How Does the Process Work?

At Matwill Capital, we specialise in high-complexity lending — including cross-border structuring:

  1. Eligibility & Jurisdiction Assessment
    We assess your residency, citizenship, income type, currency, and intended use of the property.

  2. Lender & Currency Strategy
    We source from UK-based private banks, specialist international lenders, and offshore-friendly institutions.

  3. Document & Income Review
    We guide you through compiling the correct financials — including translated income documents, asset statements, and legal declarations.

  4. Tax & Ownership Structuring
    For HNW and family office clients, we coordinate with your legal or tax adviser to explore SPV, trust, or offshore entity options.

  5. Application Support & Global Coordination
    We submit your case, manage valuation and underwriting, and liaise across time zones to complete efficiently.

Client Success Story

HK-Based Client Secures £2.5M London Flat Through Offshore Structure

A client residing in Hong Kong wished to purchase a £3.6M flat in Central London via a BVI-based holding company.

Matwill Capital helped:

  • Structure the deal via a Jersey trust with UK tax advice

  • Secure a £2.5M interest-only mortgage at 4.2% fixed for 5 years

  • Present a global income + asset portfolio across three countries

  • Coordinate legal teams in the UK and offshore jurisdictions

“I thought my case was too complicated. Matwill pulled together banking, legal, and structure into one clear solution.”
— R. Chan, Hong Kong

Frequently Asked Questions

Can I get a mortgage if I don’t live in the UK?
Yes — we work with lenders who specialise in non-resident borrowers, including clients with income in USD, EUR, CNY, AED, and more.

What’s the minimum loan size for international clients?
Most international and private lenders start from £250,000, with HNW mortgages often starting from £1 million+.

Can I use an offshore company or trust?
Yes — subject to proper structure and legal setup. We assist with SPV and trust-based applications alongside your legal advisers.

Are interest-only options available?
Yes — many HNW and investment-focused clients prefer interest-only or part-repayment terms. Available on a case-by-case basis.

What documents are needed?
Proof of income, asset statements, bank references, passports, and legal source of funds. We help you meet lender-specific requirements.

Why Choose Matwill Capital?

  • Expertise in international and cross-border lending

  • Access to private banks, international lenders, and wealth platforms

  • Support for multi-currency, SPV, and trust-based lending

  • Multilingual communication (English, Mandarin available)

  • FCA-authorised and globally experienced

Ready to Fund Your Project?

Finance UK Property — Globally and Intelligently.
Your wealth is international — your mortgage advice should be too.

Let’s structure the right solution, wherever you are in the world.