Case Study: USD LLC Income Couple Remortgage to Fund Home Improvements
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Overview
A US-UK couple based in the UK approached us for help releasing equity from their home. Their goal was to carry out major home improvements, but they faced a unique challenge: Mr was the sole director of a US-based LLC and paid in USD. Their bank had already declined them — unable to understand or work with their foreign income. That’s where we came in.
The Challenge
The couple’s situation combined multiple complexity triggers for mainstream lenders:
- Mr is a US national with Indefinite Leave to Remain (ILR), but his income came solely from net profits in a US Limited Liability Company (LLC), which he runs as a director.
- His income wasn’t paid via UK PAYE, nor supported by UK tax returns.
- Mrs is British but not the primary earner in the application.
- They wanted to raise additional borrowing via remortgage to fund substantial home renovations.
- Their own bank, despite a longstanding relationship, rejected their application outright due to the foreign income structure.
In short: strong affordability, but an unconventional profile.
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Our Solution
We worked with lenders who understand international income structures and are comfortable assessing earnings from overseas limited companies. Here’s how we approached it:
- Income Verification: We provided detailed documentation of the LLC’s income, showing a stable track record of net profits and distributions to Mr as sole director.
- Currency & FX Handling: We identified lenders who accept USD income and take a case-by-case approach, using full net income where it’s clearly evidenced.
- UK Residency & Status: Mr’s ILR status helped us reassure lenders of long-term UK residency and reduced perceived risk.
- Joint Application: While Mrs wasn’t the main earner, including her in the application helped support affordability and structure the mortgage optimally.
- Remortgage Strategy: We secured a product with flexible overpayment options, allowing the couple to reduce their loan balance over time as renovation plans progressed.
The Outcome
We successfully secured a remortgage that released the equity the couple needed — at a competitive rate and with terms aligned to their longer-term financial goals. Thanks to smart structuring and a lender who understood their income, they were able to fund their home improvements without compromise or delay.
What Our Clients Say
What We Can Do for You
If your income comes from a foreign entity — whether it’s a US LLC, European business, or overseas contract — don’t assume you’re ineligible for a UK mortgage. We specialise in helping internationally-paid professionals structure applications that mainstream lenders often overlook. With the right presentation and lender, your foreign income can open the door — not close it.
Request your fee free mortgage consultation today. No obligation, just sound advice.
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YOUR HOME MAY BE REPOSESSED IF YOU DON’T KEEP UP REPAYMENTS ON YOUR MORTGAGE
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APPROVED BY THE OPENWORK PARTNERSHIP ON 12/08/2025