For UK Investors
Finance US Real Estate as a UK Investor
If you have built a UK buy-to-let portfolio, US property financing will feel familiar. You qualify on the property and the plan, not on US credit, through a US LLC. Business-purpose loans from $500k to $5M.
Our focus is $500k to $5M, where we move fastest and typically close in about two weeks. Have something larger? We can often place it case-by-case through our capital-partner network. Either way, send us the deal.
More and more British investors are putting capital into US property. The reasons are familiar: stronger yields than a squeezed UK market, a deep and liquid market, and exposure to the dollar. The obstacle is rarely the capital. It is access: no US credit history, no US bank that will lend to you, and no clear sense of who to even speak to.
You do not need any of that. Here is how a UK investor finances US property, and why the structure will feel more familiar than you expect.
Why UK investors are looking to the US
Successive tax changes have compressed the returns on UK buy-to-let, and many investors have started looking abroad for yield and growth. US markets offer scale, a wide range of price points, and rental demand in fast-growing regions such as Florida and Texas.
Financing is usually the piece that stops UK investors before they start. It should not. The US has a product built for exactly this kind of investor.
If you know buy-to-let, you already understand the logic
A UK buy-to-let investor is used to financing on the property rather than on personal income. Our loans work the same way: bridge, construction, renovation and fix & flip financing to your US LLC, qualified on the property and the plan rather than on your personal income or a US credit score. To hold a rental long term, you buy or renovate it with one of our loans, then refinance into a long-term rental loan with another lender.
That is the key unlock for a non-resident. You do not need US tax returns or US credit. You need a property and a plan that work, and a US entity to hold it.
What is different from the UK
- You borrow through a US LLC, not in your personal name. This keeps the loan business-purpose, and it is standard for international investors.
- Qualification is asset-based: a recent bank statement, a funded US LLC account, and the means to service the loan.
- Foreign nationals are underwritten on the same terms as US investors, with no penalty for being based in the UK.
- The full range is open to you: bridge, construction, renovation and fix & flip, from $500k to $5M.
How it works for a UK investor
- Form a US LLC to hold the property (no US residency or SSN required)
- Open and fund a US LLC bank account, converting GBP to USD
- Match the property to the right program (bridge for a fast acquisition, renovation for a property that needs work)
- Qualify on the asset, then close remotely from the UK
A note on tax and compliance
The UK and the US have a tax treaty, and US property income has implications on both sides. This page is about financing, not tax advice, so plan the structure with an advisor who handles UK and US positions. We can introduce you to advisors who work with British investors.
On our side, we complete standard identity (KYC) and source-of-funds checks, as any US lender does. The UK is an eligible country, so for a typical British investor the process is straightforward.
Frequently asked questions
Can a UK resident finance US property without US credit?
Yes. You borrow through a US LLC and qualify on the property and your ability to service the loan, not on a US credit score or US tax returns. A British investor with no US credit history can still get financing on the same terms as a US investor.
Do you offer a long-term loan like a UK buy-to-let?
No. We do not offer long-term rental or DSCR loans. To hold a rental, you buy or renovate it with one of our loans, then refinance with a long-term lender.
Do I buy in my own name or through a company?
Through a US LLC. We lend to the entity, never to an individual, which keeps the loan business-purpose and is how international investors hold US property. Forming the LLC is fast, and we guide you through it.
How do I handle currency?
Your US LLC opens a US bank account that you fund from the UK, converting GBP to USD. Loans are denominated and serviced in USD. International transfers are routine, and the funded account also helps demonstrate that you can service the loan.
How much can I borrow?
We focus on deals from $500k to $5M across bridge, construction, renovation, and fix & flip financing.
Ready to finance your US deal?
Tell us about the property and your timeline. We will come back with the structure and next steps, usually within 24 hours.