Case Studies
We understand the complexities of the UK mortgage and protection market. Combining expert market insight with tailored financial solutions, we help UK-based Chinese communities and international investors navigate complex financial challenges with confidence and build long-term success.
我们深知英国房贷与保险体系的复杂性。通过专业的市场洞察与灵活的金融方案，我们持续为在英华人及全球投资者解决棘手的财务挑战，赢得长期信任。
Mortgage Success Stories in 2026
Expat Client Based in Singapore
A Singapore-based client required a specialist Expat Buy-to-Let mortgage with overseas income assessed in foreign currency. We successfully secured a competitive tracker mortgage solution while meeting all lender and regulatory requirements.
Offer Secured
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Mortgage Type: Expat Buy-to-Let Re-Mortgage
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Property Value: £600,000
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Loan Amount: £320,995
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Product: 2-Year Tracker Mortgage
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Interest Rate: 2.25% + 3-Month SONIA
Outcome
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Overseas Income Accepted
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Affordability Requirements Met
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Competitive Tracker Mortgage Secured
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Mortgage Approved Within One Month
Commercial Warehouse Investment via SPV
A UK-based client sought to acquire their first commercial warehouse through a newly established SPV company. Following the lender’s valuation, the purchase price was revised from £630,000 to £590,000 by agreement between the buyer and seller. We subsequently secured a commercial mortgage solution aligned with the client's investment objectives.
Offer Secured
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Purchase Price Reduced: £630,000 → £590,000
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Commercial Loan: £472,500
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LTV: 75%
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Term: 25 Years (Interest Only)
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Estimated Monthly Rent: £5,000
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Monthly Mortgage Payment: £2,946
Outcome
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Commercial Mortgage Approved Within 5 Weeks
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Funding Secured Through a Newly Established SPV
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First Commercial Warehouse Acquisition Successfully Completed
Hong Kong-Based Buy-to-Let Investor
A Hong Kong-based client sought to refinance an existing UK Buy-to-Let property before their current mortgage product expired. The client was a Chinese national with overseas employment income, UK rental income, and a higher-rate taxpayer profile.
Despite the complexity of assessing overseas income and meeting lender affordability requirements, we successfully secured a competitive mortgage solution tailored to the client's circumstances.
Offer Secured
• Loan Amount: £506,000
• Property Type: UK Buy-to-Let Property
• LTV: 69%
• Term: 22 Years
• Mortgage Type: Repayment Mortgage
• Interest Rate: 1.75% + UK Base Rate
• Monthly Payment: £3,308.48
Outcome
• Overseas Employment Income Accepted
• UK Rental Income Accepted
• Affordability & Stress Tests Passed
• Competitive Rate Secured Before Product Expiry
• Mortgage Approved Within One Month
成功案例故事 2026
新加坡外派人员BTL转按揭抵押贷款
客户背景
英籍客户外派到新加坡工作，由于工作，居住地址和收入币种变动，现有BTL贷款产品即将到期，需要转换银行，贷款方案需要满足客户现有情况和未来出售房子的计划。
面临挑战
多数主流银行不做英籍在海外工作，特殊银行对海外的国别，收入的外币，受雇公司的规模，税前年收入的金额也有诸多不同细节要求，客户自身难以找到合适的贷款产品且在有限的时间内完成银行转换。
专业方案
我们联系了专业的做Expat BTL的贷款机构，通过与银行BDM和审查员贷前，审查中，以及批贷后的沟通协调，为客户成功锁定了一款具有竞争力的追踪利率贷款产品。
最终结果
贷款在短短一个月内获得批准，成功协助客户完成了贷款申请，审批和后续配合放款衔接工作。
成功案例故事 2026
SPV公司名下的商业仓库融资
客户背景
一位英国本地客户希望通过新成立的SPV有限责任公司购入首个商业仓库作为投资。
面临挑战
新成立的公司缺乏经营仓库的经历和经验，自然人主体仅有投资住宅类房产经验，自然人主体经营的其他公司年账和首付资金来源需要详细梳
理，前期准备还包括对于新购买的仓库的未来承租方的公司年账和支付能力进行审核，安排商业仓库的商业评估。
专业方案
我们帮助客户找到可以接受首次购买商业仓库的银行，银行对SPV公司结构，公司自然人主体的所有个人情况，以及其经营的其他公司情况，承租方支付能力，首付资金来源，商业仓库的评估报告，均达到了满意，最终拿到了SPV公司购买商业仓库的75% LTV的贷款。在整个过程中，由于评估报告低估，在我们的建议下，客户与中介和卖方协商，最终在初始金额上优惠了40k成交。
最终结果
帮助客户成功完成首笔商业仓库投资购买的融资，并在五周内顺利拿到批贷函。
成功案例故事 2026
海外客户BTL 转按揭抵押贷款
客户背景
一位刚刚派驻到香港的中国籍客户，持有英国BTL房产，由于现有银行给老客户的按揭利率偏高，急需转换银行。
面临挑战
客户有过多国工作居住经历，目前在港工作，属于英国的海外客户。2026年上半年的宏观经济局势叠加海外客户的利率普遍偏高，能做海外客户的银行又非常有限。
专业方案
我们成功找到了符合客户情况和需求的贷款机构，能够接受其海外多国工作经历和外币雇佣收入，并通过了该行专门的偿还能力压力测试，选取了一个优于市场平均水平的追踪利率。
最终结果
在原贷款到期前一个月批准，利率和产品费低于当前客户现有银行和其他能做海外客户的银行。