HMO Refinance for International Investors

Our clients were international investors who required funding to refinance their HMO portfolio.

Buy to let mortgage for a Foreign National


Our clients were property investors whose main focus was in identifying, acquiring and converting properties into HMOs. They had funded two properties using their own funds with the intention that they would refinance once both properties had been converted into HMOs and tenanted.

When the properties had been completed, they had been trying to refinance the properties and had gone to a number of specialist finance brokers. Each one raised the issue that the clients had dual citizenship, German and South African, and resided in Switzerland. They had been provided with quotes of more than 10% per annum to progress with the refinance, which set against the rental yield made the investment unviable.

They were referred to us by a solicitor that had acted for them on previous transactions to ascertain if we could source them a more reasonable interest rate to maximise their rental yield. A 10% interest rate per annum was clearly detrimental to their business.

Luke was a great support throughout with a continuous drive to get the refinance completed despite the challenging conditions of COVID-19. We are delighted with the result and now looking forward to working with the team at Niche Financial on our next property investments.

- Philipp Von Schulthess, SOL Housing


UK property remains an attractive investment for many overseas buyers, and we act for a number of international investors that invest in UK property. This means we have the knowledge and experience in knowing which banks can offer a competitive interest rate to international investors and their

We were able to refinance at a considerably cheaper interest rate of 4.84% per annum on a 5 year fixed term for our clients (over 50% less than the quotes that they had received from other brokers). This allowed them to capital raise and then utilise the funds to start identifying additional properties to expand their property portfolio in the UK.


Loan Facility


Month term


Loan to Value (OMV)

National Association of Commercial Finance Brokers

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