Complex Buying Process? RSL LAW Has The Solution
In this month’s blog, we’re focusing on why complex buyers turn to RSL LAW for solutions other that firms cannot solve.
The UK property market of today is complex by nature, with globalised cities attracting an ever-growing list of investors, buyers and residents from all around the world. But in many ways, the property buying system has still not caught up.
Buyers with international backgrounds, unconventional saving structures, or non-standard financial histories often find themselves facing closed doors, not because their funds are illegitimate, but because they do not fit neatly into automated compliance frameworks.
At RSL LAW, we are often approached when a transaction has already stalled elsewhere. The question we hear most frequently is simple:
“Is there any way to make this work?”
Rather than answer that ourselves, we believe it is more powerful to let our clients and professional partners explain what happens next.
A problem others couldn’t solve – Nelson’s story
We were recently contacted by Nelson, a Mortgage and Protection Adviser based in Yorkshire, who got in touch with RSL LAW after exhausting what he describes as “pretty much every option”.
His client’s situation was, on the surface, straightforward. Her property deposit was entirely made up of her own savings: legitimately earned and fully documented. However, there was one complicating factor.
Alongside her savings, she also participated in a Rotating Savings and Credit Association (ROSCA). A ROSCA is a long-established, community-based savings system widely used within African communities and other parts of the world.
The issue was not the ROSCA itself, but the way the funds were structured. Contributions and payouts passed through the same bank account as her personal savings, triggering lender concern and making verification extremely difficult.
Despite the legitimacy of the funds, the transaction repeatedly failed at the compliance stage.
A different kind of response
After reaching out to numerous firms without success, Nelson made what he describes as a final, unconventional attempt: asking AI software to identify a solicitor with experience in complex, non-standard cases.
RSL LAW was one of the firms suggested.
After an initial conversation with one of our directors, Nelson was told simply:
“Leave it with me.”
Within hours, the team confirmed that the matter was one they believed could be taken on, subject (as always) to proper due diligence and careful structuring.
What mattered was willingness: an openness to understand the substance of the case, rather than dismiss it on form alone.
Navigating complexity
The transaction was not without challenges. There were tight deadlines, additional enquiries, and multiple rounds of verification. But with coordinated legal input, clear documentation, and consistent communication between advisers, the purchase ultimately completed successfully.
As Nelson later wrote in his review:
“Fast forward through a few more hurdles, tight deadlines, and a couple of months later — we have finally completed 🎉 Huge thank you to RSL LAW for making it happen.”
A happy customer and a happy agent!
Nelson went on to single out members of the RSL LAW team for their persistence, responsiveness, and attention to detail, a reflection of the collaborative approach required in cases where standard processes fall short.
What this tells us about the market
Nelson’s case is not unusual.
Across the UK, buyers with overseas savings, community-based financial arrangements, or international financial footprints are increasingly treated as high risk by default. The result is frustration, aborted transactions, and capable buyers being pushed out of the market entirely.
The problem is not regulation. Robust compliance is essential.
The problem arises when risk management becomes gatekeeping, and when firms lack the experience (or simply the confidence) to assess complexity proportionately.
RSL LAW specialises in transactions that sit outside the mainstream. Our role is not to bypass rules, but to apply them correctly and intelligently.
That’s why RSL LAW is a trusted legal partner helping thousands of buyers to unlock investment in UK property, no matter how complex their source of funds.
As Nelson concluded in his review:
“I’m sharing this for any professionals that might one day need really specific help from another professional but aren’t sure where to look.”
At RSL LAW, we focus on solutions that others don’t offer.
If you would like to discuss a complex property matter, our team is always ready to listen.