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Mortgages

We act as an introducer to a specialist broker in the UK who has expertise in facilitating financing solutions to global clients across a wide range of asset classes including real estate, jets, yachts, cars, stock portfolios, cryptocurrency, jewellery and art.

Specialising in arranging large loans, with specific expertise in Residential, Buy to Let & Commercial mortgages, our specialist mortgage broker offers a discrete bespoke service for both high-net-worth individuals and super rich; with extensive links to over 300 international lenders, from high street names and challenger banks to small building societies, boutique lenders and specialist private banks, including private investors, all of whom have an appetite for larger and more complex loans.

We are able to offer mortgages to foreign nationals and British expats living abroad, UK residents earning in foreign currencies, ‘Non-domiciled’ UK residents (for tax reasons) with offshore or overseas income, and wealthy people seeking tax-efficient solutions. Whatever the client’s circumstances; we can find a solution to help.

With access to the whole of the UK mortgage market, we can find mortgage solutions tailored to meet your individual needs, including:

Buy to Let Mortgages

Buy to Let (BTL) mortgages provide individuals with the prospect of a long-term investment by capitalising on rental income as a revenue source, and from the property’s capital growth. With the UK housing market continuing to demonstrate long-term price inflation, buying a UK property whilst living abroad can make good financial sense not only for those wishing to use it as a future home but for those seeking an investment opportunity.

Expat Mortgages

Expat mortgages are designed to assist expatriates looking to purchase residential properties in the UK. These include mortgages for homes where you or your family will live or alternatively for those looking to invest in a buy to let property.

International Mortgages

Whether you are a foreign national, British expat, UK resident earning in foreign currencies and non-domiciled UK residents, we can help find a solution for you. When it comes to mortgages for expats, our offering includes an exclusive multi-currency offset facility for international buyers of UK property.

Commercial Mortgages

Commercial investment mortgages are for individuals and companies purchasing a business property as an asset, profiting from rents and property value appreciation. With access to private banks and commercial lenders, we have extensive knowledge of dealing with this type of lending requirement. Appointing a commercial mortgage broker can help applying for a commercial loan more manageable.

We understand the importance of protecting your privacy when arranging your finance; confidentiality is therefore assured at all times. We believe in the importance of personal service and are available to speak or meet with you at very short notice, to fit in with your busy lifestyle. We will introduce you to a mortgages specialist who is happy to travel to see you at a time and location of your choosing.

Frequently Asked Questions About Expat Mortgages for British Expats

As British expats seek to purchase property in their new overseas destinations, obtaining a mortgage can be a crucial step in realizing their homeownership dreams.

This FAQ aims to address common questions and concerns regarding expat mortgages for British expats. Whether you are planning to buy a new home, invest in rental property, or refinance an existing mortgage, understanding the intricacies of expat mortgages and the eligibility criteria is essential.

By providing valuable insights and guidance, this FAQ will help British expats navigate the process, find suitable mortgage options, and make informed decisions to secure their property investments while living overseas.

Here are some frequently asked questions to help you understand about expat mortgages:

Yes, it's possible to obtain an expat mortgage to buy a property abroad. Many lenders offer expat mortgages specifically designed for British citizens living and working overseas. These mortgages cater to the unique circumstances of expats and provide financing options for purchasing property in various countries.

Eligibility criteria for expat mortgages vary among lenders. However, common requirements include proof of income, a deposit towards the property purchase, a good credit history, and an assessment of the property's value and potential rental income (if applicable). Each lender may have specific criteria, so it's advisable to consult with a mortgage advisor specializing in expat mortgages to understand your options.

While some UK lenders may offer expat mortgages for buying property abroad, the options can be limited. It's often more practical to work with international or local lenders in the country where you plan to buy the property. These lenders are familiar with the local market, regulations, and property buying process, making it easier to secure financing for your overseas property.

The maximum borrowing amount for an expat mortgage depends on several factors, including your income, deposit, credit history, and the lending policies of the specific lender. Typically, lenders use loan-to-value (LTV) ratios to determine the maximum percentage of the property's value they are willing to lend. It's recommended to consult with a mortgage advisor to assess your borrowing capacity based on your specific circumstances.

Expat mortgages can be used to purchase various types of properties abroad, including residential homes, holiday homes, and buy-to-let properties. The availability of mortgages for different property types may vary depending on the country and lender. It's advisable to consult with a mortgage advisor who specializes in expat mortgages to understand the options available for your desired property type.

Interest rates and currency fluctuations can impact expat mortgages for buying property abroad. Interest rates can vary between lenders and countries, affecting your mortgage repayments. Currency fluctuations can also influence the overall cost of your mortgage if you're earning income in one currency and making repayments in another. It's essential to consider these factors and potentially seek advice from a financial professional to mitigate any risks.

Finding the right expat mortgage for buying property abroad involves thorough research and expert advice. Consider the following steps:

  • Consult a Mortgage Advisor: Work with a mortgage advisor who specializes in expat mortgages and international property purchases. They can guide you through the process, assess your eligibility, and help you find suitable lenders.
  • Research Local and International Lenders: Explore both local and international lenders who offer expat mortgage options for buying property in your desired country. Compare their terms, interest rates, fees, and eligibility criteria.
  • Seek Legal and Tax Advice: Consult with legal and tax professionals who specialize in property transactions in the country where you plan to buy. They can provide guidance on local laws, tax implications, and any legal requirements associated with buying property abroad as an expat.

The documentation requirements for an expat mortgage to buy property abroad may vary between lenders and countries. However, common documents include:

  • Proof of Identity: Passport or ID card.
  • Proof of Income: Recent payslips, employment contract, or self-employed income documents.
  • Proof of Residency: Utility bills, rental agreements, or residency permits.
  • Bank Statements: Typically covering the past three to six months.
  • Property Details: Information about the property you intend to purchase, such as the purchase price, location, and valuation report.

It's important to consult with your chosen lender or mortgage advisor to understand their specific documentation requirements for your expat mortgage application.

In some cases, it is possible to apply for an expat mortgage before finding a property abroad. This can give you a better idea of your borrowing capacity and make the property search process smoother. However, keep in mind that mortgage offers are usually valid for a limited time, so it's crucial to coordinate with your lender and finalize the mortgage application once you have identified a suitable property.

A mortgage advisor specializing in expat mortgages can provide valuable assistance throughout the process. They can help you:

  • Assess Your Eligibility: Review your financial situation, income, and other factors to determine your eligibility for an expat mortgage.
  • Research Lenders: Identify reputable lenders offering expat mortgages for buying property abroad and compare their offerings.
  • Provide Guidance: Explain the mortgage application process, including required documentation, legal considerations, and tax implications.
  • Negotiate with Lenders: Act as an intermediary between you and the lender, helping you secure the best possible mortgage terms and conditions.

Working with a mortgage advisor can streamline the process, save you time and effort, and increase your chances of finding the right expat mortgage for buying property abroad.

Summary

Remember, buying property abroad as an expat involves careful planning and consideration. It's essential to seek professional advice, conduct thorough research, and work with experienced professionals who understand the intricacies of expat mortgages and international property transactions.

Talk to Us

To discuss your finance requirements with a locally based, professionally qualified, mortgage adviser, please contact us on Tel: +44 207 998 0570 or email connect@fwm.gi