Why International Buyers Still See the UK as a Prime Market

Despite regulatory changes and currency fluctuations, the UK remains a magnet for international buyers — especially those looking for stable, long-term assets in prime London and regional markets.

But while appetite remains strong, securing finance can be challenging. Many international clients earn in foreign currency, hold offshore assets, or purchase through trusts or SPVs — all of which complicate traditional lending.

This is where private banking relationships become a powerful tool.

The Advantages of Using a Private Bank as an International Buyer

Private banks offer a flexible, relationship-driven approach to lending — one that accommodates cross-border income, bespoke structures, and asset-based underwriting. Key advantages include:

• Multi-currency lending: USD, EUR, AED, CHF, HKD, and others
• Income smoothing for irregular, non-UK income streams
• Offshore structuring support, including SPVs, foundations, and trusts
• Cross-border compliance handling
• Favourable terms in exchange for AUM or custody mandates

Many international clients already hold investment or cash accounts with private banks — making it easier to unlock competitive mortgage terms or release capital from existing portfolios.

How Private Banks Assess International Buyers in 2025

Unlike high street lenders, private banks take a global view. Their underwriting focuses on:

• Total net worth, not just annual income
• Asset holdings across property, investments, and business interests
• Residency and domicile status
• Currency stability and remittance strategy
• Banking history and AUM potential

This broader assessment allows them to tailor loan terms — especially for clients purchasing UK property as a second home, investment, or legacy asset.

Structuring Options for International Buyers

Willow regularly helps international buyers navigate the right lending structure for their goals. Common solutions include:

• Interest-only loans secured against liquid assets or investment portfolios
• SPV-based purchases to separate ownership from personal estate
• Loans backed by AUM held with the private bank
• Tiered lending split between personal income and asset drawdown
• Non-resident mortgages with minimal UK footprint requirements

We also work closely with tax and legal advisers to ensure cross-border structuring aligns with long-term estate and succession goals.

How Willow Private Finance Can Help

At Willow Private Finance, we act as a strategic partner for international buyers seeking UK property finance. We understand the nuances of offshore income, complex ownership, and private banking dynamics.

We can help by:

• Introducing you to private banks aligned with your profile and currency needs
• Structuring lending through SPVs, trusts, or personal name as appropriate
• Coordinating documentation across jurisdictions
• Negotiating terms based on AUM, custody, or asset support
• Ensuring smooth execution in collaboration with your family office or legal team

Whether you’re based in Dubai, Geneva, Singapore, or New York — we help you unlock the right lending for your UK property ambitions.

📞 Want Help Navigating Today’s Market?

Book a free strategy call with one of our mortgage specialists.

We’ll help you access smarter finance through private banking channels.