Case Study · United Kingdom

Foreign Investor leverages prime residential property for working capital overseas

1 July 2022

Foreign Investor leverages prime residential property for working capital overseas

A foreign investor has leveraged their investment in London’s prime residential real estate market to secure working capital for their overseas ventures. The prime location of the property provides a stable source of income, allowing the investor to tap into the resources needed to support their growing business operations. By leveraging their property assets, the investor has been able to take advantage of the thriving London real estate market, positioning themselves for continued success in the future.

Related: Read about when Rikvin Capital enabled a property developer to purchase a commercial building at a deep discount

  • Location: Marylebone, London
  • Market Value: £7,500,000
  • Loan Amount: £4,056,408
  • Loan-to-Value: 54.09%
  • Duration of Loan: 12 Months
  • Payment Schedule: Monthly
  • Asset Type: Residential Apartment
  • Completion Time: 2 weeks

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FAQ

Can I use my Marylebone or prime central London apartment as security for an overseas business loan?

Yes. The Marylebone case here lent £4.06 million against a £7.5 million residential apartment (54.09% loan-to-value) for a foreign investor deploying capital into overseas operations. We take first charge on the UK property; the funds can be wired to almost any jurisdiction subject to AML.

How much can I borrow against a Marylebone or prime London residence?

Up to around 70 to 75% of valuation for prime central London residential. The Marylebone deal here closed at 54%, which suited the borrower's need (working capital) rather than maximum gearing. Higher-LTV deals are routine for borrowers with strong exit evidence.

How fast can a Marylebone refinance close?

2 weeks is typical for a clean prime-residential refinance, as in this case. The legal work is standard and the area is well-understood by surveyors. New foreign borrowers may need a few extra days for source-of-wealth documentation.