Entrepreneur, Founder, CEO & UHNW Broker.
UK MORTGAGES.
£1m to £100m+ lending against UK residential and investment property, delivered through leading UK private banks, high-street lenders where appropriate, and specialist underwriters where conventional lending falls short.
Islay’s network is vast and covers all high-net-worth locations and sectors.
£50m+ Loan size
1–24 Months term
48hrs Typical turnaround
Most of my work is based in London and the Home Counties but my clients are not. They're typically based internationally and buying, refinancing or releasing equity against UK property, prime central London houses and flats, country estates, buy-to-let portfolios, SPV-held assets, and occasionally very unusual transactions that don't fit any category neatly. I can place against standard income, complex earnings (carried interest, dividends, private equity crystallisation), trust-held assets, and offshore structures.
How UK Mortgages work
In bridging, speed and certainty matter more than anything. Here is how Islay arranges high-value bridging finance, from the first conversation to funds released, with the exit planned from the outset.
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01
Initial Consultation
We begin by discussing your property plans, income structure, assets, residency status, and financing requirements to identify the most suitable mortgage options. -
02
Finance Assessment
A detailed assessment of your income, wealth, existing commitments, and property objectives allows us to determine how much you may be able to borrow and which lenders are most likely to support your application. -
03
Lender Selection
We approach suitable private banks, mainstream lenders, and specialist mortgage providers to identify competitive terms based on your individual circumstances and financing goals. -
04
Application & Underwriting
Once a lender is selected, we prepare and submit the application, coordinate supporting documentation, and work closely with the lender throughout underwriting to help keep the process moving efficiently. -
05
Completion and funds released
Once conditions are satisfied, funds are released, frequently within days, and in around 48 hours where speed is critical. -
06
Mortgage Completion
After the mortgage is approved and legal work is completed, funds are released and the transaction is finalised, allowing you to complete your purchase or refinance with confidence.
Media & Press.
Frequently Asked Questions
A UK mortgage for international buyers is a property loan designed for individuals purchasing or refinancing residential or investment property in the UK while living overseas or holding non-standard residency status. Depending on your circumstances, lenders may assess overseas income, foreign assets, business ownership structures, and global wealth when considering an application.
The amount you can borrow depends on factors such as your income, assets, existing liabilities, residency status, and the type of property being financed. Some lenders focus primarily on income, while private banks may take a broader view of your overall wealth position and investment portfolio when assessing affordability.
Yes, many lenders offer UK mortgages for non-residents, expatriates, foreign nationals, and internationally mobile individuals. However, eligibility criteria vary significantly between lenders. Working with a specialist mortgage adviser can help identify lenders that are comfortable with overseas income, complex financial structures, or international assets.
Most UK mortgage applications require proof of identity, proof of income, details of assets and liabilities, bank statements, and information relating to the property being purchased or refinanced. Additional documentation may be required for self-employed applicants, business owners, international buyers, or clients with complex income structures.