HTB delivers £1.2m semi-commercial facility for overseas landlord

• We completed a £1.2m semi-commercial facility for an Australian landlord entering the UK market.
• The deal involved gifted equity, a semi-commercial property, and a bespoke structure tailored to the client’s needs.
• We’re seeing rising demand from brokers with overseas clients and complex cases, reinforcing our role as a long-term lending partner.

The borrower, an experienced Australian landlord, purchased a semi-commercial property in London made up of six residential flats above a restaurant. The deal was structured as a five-year fixed, interest-only facility at 70% LTV. The property was bought from their parents, who gifted equity to help make the transaction happen.

This was a broker-introduced case that needed a tailored approach. With the client making their first UK investment, relying on gifted equity, and the added complexity of a semi-commercial building, it didn’t fit the criteria of many lenders. We worked closely with the broker to build a structure that made sense for the client and helped them kickstart their UK portfolio. The facility was delivered by Chloe House, our Business Development Manager, and Kris Siva from our Specialist Mortgages team.

We’re seeing more demand for structured solutions as brokers bring us overseas clients and more complex property types. It’s a trend that reinforces our role as a long-term partner to brokers and their clients.

Chloe House, Business Development Manager for the South Coast at HTB, said:

This case demonstrates the importance of listening carefully to the broker and tailoring facilities to real client circumstances. The client was an experienced landlord overseas establishing their first UK property investment, and the property added another layer of complexity. By taking a pragmatic approach and structuring the facility around the gifted equity and long-term goals, we created a solution that gave both broker and client confidence. It highlights how HTB thrives on the kind of cases brokers bring us that do not fit a standard template.

Andrea Glasgow, Sales Director, Specialist Mortgages & Bridging Finance at HTB, added:

Brokers are meeting more and more clients whose ambitions do not fit a standard lending model, whether that is an overseas borrower, a semi-commercial property or someone taking their first steps in a new market. This case shows the difference we can make by working closely with brokers to bring clarity to complex situations. By shaping funding around each client’s circumstances, we help brokers deliver not only on the transaction in front of them but also on their clients’ longer-term goals. That is why brokers trust HTB with their most complex cases.