All sectors

Sector — International Investors

UK capital access for the world's investors.

Non-doms, expats, foreign nationals and overseas operating businesses — buying UK property, taking UK credit, building UK operations. We orchestrate across 32 jurisdictions with multi-currency, KYC-aware lenders.

  • Jurisdictions served

    32

  • Multi-currency desks

    11

  • Avg client ticket

    £3.5M

  • AIP within

    72 hours

Pillars:Property Business

Where are you?

Pick the path that looks like you.

Each branch maps to the playbook the desk would actually run for you — not a generic funnel.

UK expat buying back home

You're a UK national working overseas (often paid in USD/AED/SGD) and want to buy or refinance UK property.

Recommended play

Expat residential mortgage with multi-currency income build-up

  • Lenders that accept your salary currency without aggressive haircuts.
  • Income evidence pack mapped to UK underwriter expectations.
  • FX overlay on monthly payments to prevent rate shock.
Open an expat briefing

International Pulse

Lender appetite, international edition

Live signals from the desk. Last refreshed .

  • property

    Tier-1 challenger bank · Senior development

    −25 bps on 65% LTGDV

    Credit committee re-priced post-MPC. Repeat sponsors with delivered comparables only.

  • property

    Specialist bridging house · Refurb-to-let bridge

    Now lending to 80% LTV (was 75%)

    Reopened postcode list across NW + Yorkshire. Faster valuations via desktop AVM.

  • business

    Two clearing banks · Working capital RCF

    Margins held; covenants softened

    Leverage covenants relaxed by 0.25x for £5m+ revenues with audited accounts.

  • business

    Alt-fintech lender · Revenue-based finance

    Pulled appetite for hospitality

    Second consecutive quarter of arrears uptick in casual dining cohort.

  • property

    Family-office mezzanine · Stretched mezz on resi dev

    Hurdle IRR cut 150 bps for repeat sponsors

    Rotating out of equity into debt. Wants £3–8m strips, full QS oversight.

  • business

    Two private credit funds · Unitranche £10m+

    Tightened pricing 50–75 bps

    Competing aggressively for sponsor-backed mid-market refis ahead of June.

International Co-pilot

Ask anything. Scoped to international investors.

Grounded in 1X Financial's international field notes — never the open web. No fabricated lenders, no invented rates.

Funding Map

Typical £4m UK property purchase by an international investor

Indicative structure for a foreign-national HNW client acquiring a London or regional UK property.

Day 1Practical completion
  • Specialist senior65%

    Base + 2.25–3.25%

    Foreign-national lender, IO available, multi-currency.

  • Private-bank top-up10%

    Base + 1.95%

    Optional second-charge from private bank.

  • Client equity25%

    Capital deployed

    Cash equity, often from offshore wealth.

Deal Anatomy — International

Anonymised live cases we've actually closed.

The structure, the lenders shortlisted, why it closed — and what nearly killed it.

See full anatomy
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Pillar
Ticket

1 of 1 cases

  • asset£420k

    £420k of yellow-metal across 3 captives — saved sponsor 7 months

    Civils contractor, 32 staff, £8m turnover

    Blended cost down 180 bps; sponsor kept working capital intact.

    Closed in

    9 working days

    Shortlisted

    6

    Layers

    3

    Full anatomy

International scenario lab

Pre-loaded with deals we actually do.

Pick a preset that matches your deal — then drag to stress it. Same model the desk runs in pre-credit calls.

Blended cost of capital

4.38%

Annual debt service

£43,750

DSCR

9.60×

Equity required

30% · £300,000

Indicative only. Real pricing reflects sponsor profile, asset, jurisdiction and current lender appetite.

Your stack

The capabilities international investors actually use.

Each links into the full capability page — pricing, ticket, partners and live appetite.

Engage the desk

Bring us a live deal — we'll come back inside 48 hours with a shortlist.

Briefings are free. Architecture calls are free. The first lender shortlist is free. You only ever pay on completion.

Open a international briefing