Expat Landlord - Dubai-Based, UK Portfolio Expanded
£1.2m commercial unit · UAE-based borrower · mortgage placed with specialist expat lender accepting UAE employment income.
The Client
British expat working in Dubai with existing UK BTL portfolio
The Challenge
A British expat living in Dubai wanted to add a £1.2m commercial unit to an existing UK BTL portfolio. Standard UK lenders would not accept foreign-earned income or non-UK residency. The expansion needed to complete inside 8 weeks to match the vendor's exchange deadline.
Our Solution
Doulton arranged the mortgage through a specialist expat lender accepting UAE employment income from a recognised employer. The commercial unit valuation, tenancy and lease structure were assessed by a specialist commercial surveyor. KYC was handled remotely via video.
The Outcome
Mortgage completed in six weeks. The commercial unit was successfully added to the portfolio without the client returning to the UK. The lender now holds the client's broader BTL refinancing pipeline. Key highlights: UAE income accepted by specialist expat lender; Six-week completion - no UK travel required; Specialist commercial surveyor instructed early.