Overcoming Mortgage Challenges for an International Client

by | Tuesday 16th Jan 2024 | Mortgage Case Studies

Mortgage Challenges for an International Client, Helped By Oportfolio

Mortgage Challenges for an International Client, Helped By Oportfolio

International Client Mortgage – Background:

Our client, a recent immigrant to the UK, sought to navigate the complex landscape of securing a mortgage for his new home. Having moved to the country just six months ago, possessing a 5-10% deposit, and holding a 5-year visa without indefinite leave to remain, the client faced significant hurdles in finding a willing lender who would lend to international borrowers.

Challenges Faced:

The primary obstacles encountered during the mortgage application process included:

  • Non-UK Resident Status: Being a newcomer to the UK, the client faced scepticism from many lenders who typically prefer applicants with longer residency history.
  • Limited Time in the UK: Numerous lenders set a minimum residency requirement, ranging from 12 to 36 months, posing a challenge for our client who had only been in the country for half a year.
  • Visa Limitations: With a 5-year visa but lacking indefinite leave to remain, the client encountered stringent criteria from most lenders, including minimum time remaining on the visa.
  • Deposit Size Preference: The client aimed for a small deposit, ranging from 5-10%, further limiting the pool of potential lenders.
  • Employment Duration: Many lenders insisted on a minimum period of employment in the UK, which posed an additional hurdle.

Solution Provided by Oportfolio:

Our experienced mortgage advisors at Oportfolio, understanding the unique challenges faced by the client, embarked on a strategic approach to find a viable solution. Here’s how we navigated the obstacles:

  • Thorough Market Analysis: Leveraging our extensive market knowledge, we identified a lender known for its flexibility and competitiveness.
  • Strategic Communication: Engaging in open communication with our contacts at the identified lender, we presented the client’s case, highlighting its strengths and unique aspects.
  • Negotiation for Waivers: Based on the robustness of the client’s case and our adept negotiation skills, we successfully convinced the lender to accept a 5% deposit and waive other stringent requirements.


The result was a resounding success! Despite facing rejections from other mortgage advisors and the client’s own bank, our brokers secured a mortgage with favourable terms. Our client, overjoyed with the outcome, was able to realize homeownership much sooner than anticipated.

Key Takeaways:

  • Specialised Expertise: Oportfolio’s in-depth knowledge of the mortgage market and experience in dealing with challenging cases played a pivotal role in finding a solution.
  • Strong Lender Relationships: Our established connections with the lender allowed for effective communication and negotiation, leading to a tailored solution.
  • Client-Centric Approach: Understanding the client’s preferences and challenges, we crafted a bespoke strategy that aligned with their goals.

In summary, overcoming the complexities of securing a mortgage for an international client with unique circumstances showcases Oportfolio’s commitment to excellence and our ability to find innovative solutions in a challenging market. If you or anyone else you know is in a similar situation to this client, then please feel free to give us a call today. We are happy to help.

We're Here to Help

If you have any questions about UK mortgage news or or anything you’ve read then please get in touch. We’d love to hear from you.

As featured in

Understanding a Volatile Mortgage Market eBook

Download Our eBook

Join our mailing list and receive a link to our latest ebook, Understanding a Volatile Mortgage Market. 23 pages of practical insights to navigate the unpredictable mortgage landscape.

You Will Receive A Link To Your eBook Shortly!