Case Study · United Kingdom

Bridging Finance for a London Investment Property

20 February 2025

Bridging Finance for a London Investment Property

Securing financing as a foreign investor in the UK can be challenging, especially when local banks impose strict residency-based lending requirements. At Rikvin Capital, we specialize in bridging these gaps, providing fast and flexible funding solutions tailored to unique borrower needs.

Case Study: £1.5 Million Bridging Loan in Kensington

A foreign investor recently purchased a prime residential apartment in Kensington, London, but faced difficulties securing financing from traditional banks due to his non-resident status. With a tight deadline to complete the purchase, he needed a swift and reliable lending solution to move forward.

That’s where Rikvin Capital stepped in. We structured a £1.5 million bridging loan. Our ability to understand complex borrower profiles and move quickly made all the difference in securing the necessary funding.

Why Rikvin Capital?

  • Fast & Flexible Financing – We specialize in funding foreign investors and non-residents who face roadblocks with traditional banks.
  • Property-Backed Lending – Our focus is on the asset, not just the borrower’s residency status.
  • Seamless Execution – We ensure transactions proceed without delays, even under tight deadlines.

If you’re a foreign investor struggling with financing hurdles, Rikvin Capital can help.

Reach out today to explore how we can support your next property acquisition.

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FAQ

I am a foreign investor and UK banks are turning me down. Can you fund a Kensington purchase?

Yes. The Kensington case here lent £1.5 million for a foreign investor on a residential apartment after high-street banks declined the borrower's non-resident status. We focus on the asset and your wider wealth profile rather than UK residency.

How does Rikvin Capital underwrite a non-resident borrower?

We look at the property value, the borrower's overall wealth profile, source-of-funds documentation and a clear exit (sale, refinance or business income). UK residency, UK-PAYE income and UK credit footprint are not required, which is why international buyers come to us.

How fast can a Kensington bridge loan complete?

2 to 3 weeks is typical for a clean prime-London apartment, with the timeline driven by the legal completion rather than our underwriting. For very tight purchase deadlines we have completed inside 7 to 10 days when needed.