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Foreign National Bridging Loans
Our foreign national bridging loans are designed to provide capital to foreign investors looking to invest in properties in England & Wales. In essence they work the same way as our bridging loan range does, catered exclusively to borrowers who live abroad.
With an in-house legal team experienced in the complexities of international purchases, we can proceed with foreign national bridging loans with speed and confidence.
Our foreign national bridging loans are available to individuals and overseas registered companies.
Lite bridging for UK limited companies
Our Lite bridging range offers stripped-back financial solutions for straightforward bridging cases, which offers the same rates to foreign national clients as those based in the UK, as long as they are registered as a UK limited company. This product range is available for residential, mixed-use and commercial properties in London, the Home Counties and major UK cities. Visit our Lite bridging product page for full details & rates.
Bespoke foreign national bridging rates
Residential
| Rates From | LTV | Minimum Loan | Maximum Loan | Term (months) | Minimum Valuation | Arrangement Fee |
| 0.94% | 65% | £150,000 | £50,000,000 | 3-12 | £250,000 | 2% |
| 0.99% | 70% | £150,000 | £50,000,000 | 3-12 | £250,000 | 2% |
Mixed-Use
| Rates From | LTV | Minimum Loan | Maximum Loan | Term (months) | Minimum Valuation | Arrangement Fee |
| 0.99% | 65% | £150,000 | £50,000,000 | 3-12 | £250,000 | 2% |
Commercial
| Rates From | LTV | Minimum Loan | Maximum Loan | Term (months) | Minimum Valuation | Arrangement Fee |
| 1.14% | 65% | £150,000 | £50,000,000 | 3-15 | £300,000 | 2% |
Foreign national bridging loans can be used for:
- Property acquisition
- Extensions & refurbishment
- Conversions
- First time buyer/landlords
- Beginning a property portfolio in England & Wales
- Establishing a UK credit history
Frequent foreign national bridging questions:
Do I need to travel to the UK to complete the loan?
There is no requirement to travel to the UK to complete any documentation. However, KSEYE requires that a UK solicitor is appointed, and loan documentation is signed in the presence of an overseas SRA registered solicitor.
What property types are Foreign National Bridging Loans available for?
Our foreign national bridging finance can be used for the property types covered by our residential, mixed-use and commercial bridging loans. This ranges from BTL properties, including HMOs, through to retail units, restaurants or offices. As long as the property is in England and Wales, a KSEYE bridging loan could provide the funding required.
Who is eligible for a Foreign National Bridging Loan?
KSEYE’s foreign national bridging loans are available to individuals and overseas registered companies, as long as they have a UK bank account to receive the funds on completion of the loan. Our foreign national bridging loans are available to clients that do not have a UK credit footprint, due to the enhanced due diligence we conduct as part of the loan application.
Please note that applications originating from a Sanctioned country, as defined by the Home Office, will be declined.
How long does it take to complete a Foreign National Bridging Loan?
We respond to enquiries by issuing underwritten indicative terms within a few hours of submission. An Agreement in Principle (AIP) will be issued within 24 hours of completion of our full application form.
With property valuation, enhanced due diligence and legal checks, we typically complete within a few weeks. However, we can deliver funds within days when a client requires it.
What information do I need to apply for a Foreign National Bridging Loan?
Towards any enquiry, we will need a range of information, including:
- Loan purpose
- Security property details
- Estimated property value
- Loan amount
- Loan exit details
- Client details
As the loan application progresses we will also need proof of income, and of the source of funds for the portion of the loan that our funding would not cover, as part of an enhanced due diligence process.
How can I apply for a Foreign National Bridging Loan?
The process of applying for a foreign national bridging loan is the same as any KSEYE bridging loan – whether you work with a broker or apply directly, you can either discuss your requirements with our team or submit an enquiry directly.
If you apply directly, a member of the KSEYE team will contact you to introduce themselves and ask any questions we have about your application.