Over £1.25m in mortgage finance secured for a foreign national client without Indefinite Leave to Remain
What was the situation?
Our client, a foreign national living and working in the UK, had found their ideal property in Highbury for their young family but needed clarity on their lending position before the vendor would be happy to entertain an offer. With a mortgage exceeding £1.25m and a 90% loan to value requirement, the case demanded a lender with suitable criteria and extensive experience supporting foreign national clients. The client did not yet hold Indefinite Leave to Remain (ILR), which introduced further complexity around eligibility and affordability. Early engagement with the right lender was essential.
What was the issue?
What was the process?
George, who sits on our residential desk, utilised our direct access to underwriters via a pilot scheme to pre-agree the case before the client submitted an offer. This proactive approach ensured the lender was comfortable with both the client’s residency status and high LTV position, allowing George to confirm in advance that the lender was prepared to proceed once the purchase was agreed.
George also reserved a market leading rate ahead of subsequent increases, safeguarding affordability and giving the client confidence to move forward. When the offer was accepted, the case had already been pre-assessed by the lender, allowing it to progress swiftly to valuation, with the mortgage offer issued within a week of submission.
What was the solution?
With underwriting pre-approved, the formal mortgage offer was issued within a week of valuation, securing over £1.25m in mortgage finance at 90% loan to value on a highly competitive fixed rate.
The client met their completion deadline and was delighted with the outcome, praising the speed and professionalism of the process.
This case highlights how LDN Finance leverages direct lender access and pre-agreement strategies to deliver clarity and pace for clients with complex circumstances, combining foresight, expertise and trusted relationships to achieve exceptional results.
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Testimonials
Our happy clients
As a returning customer, I would like to express my sincere thanks to the team for their outstanding support during the completion of my property purchase. In particular, Catherine and Darren have been incredibly helpful throughout the process. Their communication, professionalism, and customer service have been absolutely excellent, making the entire experience smooth and reassuring. Many thanks again for all your hard work.
My fiancée and I were recommended to LDN Finance when we started our mortgage journey, and the service we have received, and continue to receive, has been outstanding throughout. Phil Levesley initially looked after us and made what can be a very daunting process feel straightforward and easy to understand. He took the time to explain everything clearly, never rushed us, and was always happy to answer any questions we had. Nothing ever felt like too much trouble. As part of the process, we also wanted to explore a number of protection policies, and Phil introduced us to his colleague,
Owen was absolutely amazing and supported me every step of the way throughout the mortgage process. He was always clear, patient, and incredibly reassuring, making what could have been a stressful experience feel smooth and manageable. Bharathy was also really helpful, promptly getting in touch and making sure all the relevant information was handled efficiently. I couldn’t be happier with the service and would highly recommend them both. Five stars without hesitation.
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