Investing in the US from the UK or Europe has traditionally been a logistical and financial hurdle. Most US banks will not lend to non-US residents and those that do require a US Social Security Number and years of US credit history.

We’ve changed the game. Sovereign Invest provides a specialized “Foreign National” finance desk. We operate on GMT, understand UK/EU financial documents and have direct access to US wholesale lenders who prioritize Asset Performance over your personal US credit score.

Our US Real Estate Finance Products

Professional leverage for business-purpose and investment properties.

1. Investment Mortgages DSCR (Long-Term)

Qualification is based on the property’s rental income and not your UK / EU payslips.

• LTV: Up to 75%
• Rates: Competitive 30-year fixed terms.
• Benefit: No US credit score needed; international credit reports accepted.

2. US Fix & Flip / Bridge Loans (Short-Term)

Short-term liquidity for UK developers scaling into the US market.

• Purpose: Acquisition and renovation (Value-Add).
• Speed: Close in as little as 14–21 days.
• Funding: Up to 80% of purchase price + 100% of rehab costs.

3. Cash-Out Refinancing (Re-Mortgage / Release Equity)

Unlock equity in your existing US portfolio to fund new acquisitions.

• Max LTV: 65% – 70%.
• Exit: Fixed or ARM options available.