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• Expat Mortgages – Commercial Mortgages – Secured Loans – Bridging Loans – UK Investment Property – Life Insurance •
• Established To Service The Financing Needs For Expat And International Mortgage Clients •
• 75% LTV Mortgages Available For The United Kingdom •

TYPES OF EXPAT MORTGAGES UK

You can get expat mortgages and expat remortgages for UK residential and UK buy-to-let properties. They’re available on repayment and interest-only bases, as well as with fixed, tracker and discount rates. Mortgages are available for British expats living away from the UK and also non British residents based overseas that have never lived in the UK before.

Mortgage on a Main Residence in the UK

You may want an expat mortgage on a residential property if:

  • You plan on moving back to the UK and want a property here for when you do
  • You’re situated overseas but your family live in the UK and you want to buy a property for them to live in and for you when you return.
  • You plan on staying overseas but you want to purchase a house for your children to live in if they return to the UK for their university studies.

Residential mortgages are available on repayment and interest-only bases. You may want your mortgage on a repayment basis if you’re purchasing a property that’s going to become your residence at some point, as you’ll likely want the balance cleared by the time you retire.

Buy-to-Let for Expats

You may want an expat mortgage on a buy-to-let property if:

  • You’re looking to remortgage a residential property onto a buy-to-let basis because you’re about to move overseas
  • You’re situated overseas and have consent to let on a UK property, but need to remortgage it onto a buy-to-let basis
  • You’re situated overseas and are renting out your UK property – possibly under consent to let rules with your original lender – but want to remortgage it onto a buy-to-let basis to raise money

Expat Mortgages

Premier Expat Mortgages was established in 2008 to service the expat mortgage financing community and internationally based UK property investors. Along with UK expats looking for expat mortgages and mortgage refinancing we also service foreign nationals based outside of the UK that are looking for international mortgage finance for their UK property investments. With offices in Hong Kong and Kuala Lumpur in Malaysia we cover the Asia Pacific regional timezone we are the longest serving expat mortgage broker based overseas just as our clients are. We have forged close links not only with the traditional high street mortgage lenders but also with non-bank lenders and many private banks eager to lend their mortgage funds to the highly paid expat and foreign based investor community based overseas. Our expat mortgage lenders UK are based in the not only in the UK but also around the world so we have a wide selection of lenders and over 75 different mortgage providers and over 100 expat mortgage loans to choose from. As a fully independent expat mortgage broker we are able to source mortgages from the whole of market enabling us to find the most competitive expat mortgage deals for our clients. We source and at times negotiate the most competitive expat mortgage terms available across all our lenders. We offer buy to let mortgages along with residential mortgages for clients that want to keep a base in the UK for when they return home on holiday or after their expat mortgage assignments come to an end. As a potential mortgage client you do not have to be based in the Asia Pacific region to use out mortgage service. Many of our clients are based around the world and live in countries such as the United States, Canada, Europe, the Middle East and many many more countries.  Our expat mortgage specialists have extensive experience built up over the last 12 years of securing our clients a mortgage from our range of  international mortgage lenders for a range of different countries so dont hesitate in getting in touch even if you have been unsuccessful with other mortgage brokers. We pride ourselves in finding solutions to the most difficult expat mortgage cases.

Buy To let Mortgages For Expats

As a mortgage broker that focuses on serving expats and overseas foreign nationals we arrange financing for both types of clients. If you are searching for uk mortgages for overseas residents  that are looking to return to the UK or are looking to have your own residential property that you can stay in when returning for a holiday or vacation. There are some special terms that the lender likes to see for a UK residential mortgage which we will be happy to discuss with any potential inquiries, either from expat clients based in the UK, or overseas based international  and expat clients looking for a move to the United Kingdom to live permanently. Our expat mortgage service provides unrivaled service for expats requiring an expat loan whilst based overseas and earning income from either a single or even multiple  income sources from various currencies around the world.

Residential Mortgages For Expats Living Overseas

If your client is looking for an Expat Residential mortgage, we have a range of lenders available our panel of  expat mortgages UK. Our Expat Residential mortgage products from our lenders allows applicants overseas to purchase a UK residential home for their family to live in. Lending criteria and mortgage terms vary tremendously and different lenders will use their own policy to determine a maximum loan figure when calculating mortgages for expats. In addition to the offshore lenders, a number of UK based banks and building societies will now consider applications from British expatriates planning to purchase a home in the UK. Expatriate lenders will use income multiples, affordability and employment status before offering mortgage terms. Some mortgage lenders have strict policies and rigid lending criteria. Other lenders however are more flexible and consider individual circumstances before issuing a mortgage offer when calculating UK expat mortgages.

Large Mortgage Loans For Expats

Private banks or lenders can offer competitive offshore mortgages for a variety of high net worth borrowers. Private banks are a lot more willing to consider individual financial situations and lend accordingly with a bespoke tailored product. This might mean a large mortgage amount, lending on an interest-only basis, or taking multiple income streams into consideration. We can successfully place mortgage applications for high net worth clients, regardless of how complex their financial situation is, via our network of trusted lenders. Our overseas mortgage broker team are experts at helping high net worth clients who might have complex incomes. This can include bonus payments, profit-sharing agreements, or income and dividends from self-employment. These circumstances may mean any income might fail to meet the criteria required by the high street banks, even though they can comfortably afford mortgage repayments. If you have assets worth over £1m or are looking to borrow more than £500,000, then a private bank could be a viable option for your best expat mortgages. In many cases it makes little sense for affluent individuals to tie up vast sums of personal wealth in property when it can be working harder elsewhere.

 International and Overseas Mortgages

As an international property investor, it can be difficult to understand how best to leverage your current investments to scale your portfolio and how obtaining an overseas mortgage for buy to let portfolio can help. For example, a regular review of your assets and financial situation is essential to ensure you’re maximising the potential of your investment strategy. This is why we’ve introduced the independent International Mortgage team to help you shape your future investment strategy while providing an overview of international mortgage lenders options available to you. With years of experience in international finance, our team will offer a specific focus on international investors and the mortgage products available. Our in-person support will guarantee you have someone that understands your needs and can provide a personal experienced based on the markets you’ve identified. Our international mortgage brokers team have experience in a range of different countries and can advise based on the conditions of the market.

Life Insurance For Expats

Through our dealings with mortgage clients requesting overseas mortgages we also specialise in providing expat life insurance as we uncover that some clients dont have the correct life insurance policies in place to cover any unforeseen event. Having the right level of life insurance cover is vital and we can at your request carry out a life insurance assessment whilst preparing your mortgage agreement in principle for you.  Every expatriate overseas has a different set of individual circumstances that are clearly unique, and your cover will need to reflect this. For example, an accident in the family may result in higher medical costs for non-nationals depending on where you are, as will extras, such as an interpreter, if required. For global expats, it is important to arrange insurance policies that have international life insurance coverage that enable you to move countries without having to re-new your life insurance cover every time you move  to a new destination. Always inform your insurance company if you move to a posting in a new country as the rate, level and type of cover may need adjusting. In effect, this could mean changing or updating your policy every time you move. An easier solution could be to take out a global life policy that can move with you, and your family wherever you are in the world. Expat Life Insurance provides a vital protection against the impact of unexpected events and should be tailor-made to reflect you and your family’s needs and circumstances. We strongly recommend you consider life insurance that provides critical illness cover as part of the main policy.

UK Investment Property

As inner London becomes increasingly less affordable, young professionals are beginning to move to towns within commutable distance of the capital. With regards to property investment, will 2018 be the year of the commuter town or will the northern cities such as Birmingham, Manchester and Liverpool show more favorable returns that that shown of London over the past 3 years.  UK Investment Property property for overseas expatriate investors has always been a very good investment choice because of the growth potential.  The London property investment market has been very popular because of the growth in the London market from overseas buyers over the last few years. We previously only covered Central London investment property as we still do but due to ever increasing demand from overseas buyers we now work with developers presenting great value investment properties in Manchester, Liverpool and Birmingham also. Our close links with developers mean that we have access to fully completed and tenanted properties ready for sale and also new build properties with completions ranging from 6 months to 18 months completion deadlines. If you are purchasing a buy to let property we can also provide property furnishing packages to rent or lease and you don’t even have to set foot in the UK as we can assist with the handover of keys and the furniture installation and set-up. The property rental market is ever growing and we work in conjunction with one of the fastest growing range of diverse developers offering great modern properties that will suit your expatriate property portfolio with their modern designs and local locations.

Expat Secured Loans and Bridging Finance

Other financing s areas we assist in are secured loans, development loans, bridging finance and commercial mortgages. Our links with lenders can provide unique financing options for offshore expatriates and to obtain a secured loan on existing UK property whether that be buy to let or buy to live. We currently have developed a unique relationship with a great lender offering 50% expat mortgage financing on buy to lets and buy to let portfolios with minimum underwriting and agreement in principles secured within 24 to 48 hours.

Wealth Management and Pension Transfer Advice

Another area we assist clients with is Wealth Management and pension transfer advice whereby we can assist them in creating, managing and protecting their wealth. We help them in areas such as Capital Gains Tax, Inheritance Tax, Expat Life Insurance and also UK Income Tax. Our aim is to see where our clients finances are today and then where they wish to be financially at retirement. We do this by by providing advice on suitable investment vehicles such as pensions, investments and savings, Expat Life Insurance and Critical Illness Cover and then having regular quarterly or half yearly meetings to make sure the investments are on track. We work to a long term slow and steady investment approach looking for slow and regular gains and using the compounding effect of investment management to grow your funds with low risk principles. You can see more about this at our other websites UK Expat Pension Reviews and Premier Expat Investments

Our expertise and experience is in creating an individual solution for overseas residents and expats for any of our services. We cater for international clients earning in foreign currencies where ever in the world they may be based. Lending can be arranged for the countries listed below:

Santander Expat MortgagesHSBC Expat MortgagesNatwest Expat MortgagesBarclays Expat MortgagesHalifax Expat Mortgages

www.premierexpatmortgages.com

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    FINANCING SOLUTIONS

    Refinance to Save

    Where you have an existing mortgage loan facility, we can review this for you. There could be an opportunity to reduce your monthly mortgage payments and save you money.

    Refinance to Buy

    Whether you own one property or a portfolio of more, we can review, recommend and arrange the refinancing of existing property to then release equity to raise capital for further property purchases or simply to free up cash.

     

    FINANCING OPTIONS

    • Expatriate Mortgages Based Overseas
    • International Mortgages for Expats
    • UK expat returning Residential Financing
    • Expatriate Buy To Let Mortgage
    • Expat Portfolio Refinancing
    • Mortgages Guaranteed by Rental Income only
    • Ex-Pat Equity Release
    • Overseas Income Mortgage
    • Expat Commercial Lending
      (Retail, office or Industrial)
    • Expatriate Secured Loans
    • Expatriate Bridging Finance
    • Ex Pat Life Insurance
    • London Investment Property for Asia Residents
    • Investment Property Furnishing for Expat Landlords
    • International Overseas Mortgages
    • London Buy to let Mortgages
    • New Build Mortgages
    • Fixed Rate Mortgages
    • Tracker Rate Mortgages
    • Overseas Investor Mortgages
    • London Investment Property for offshore residents
    • Capital Gains Tax help
    • UK Inheritance Tax help
    • B.V.I Ltd Company Mortgages
    • International Mortgages
    • Guarantor Mortgages for ex pats
    • Interest only Mortgages
    • Holiday home/let mortgages
    • HMO Mortgages

    COUNTRY FINANCE

    • UK Mortgages
    • Scotland Mortgages
    • Wales Mortgages
    • France Mortgages
    • Portugal Mortgages
    • Dubai Mortgages
    • Thailand Mortgages
    • Malaysia Mortgages
    • Singapore Mortgages
    • United States – USA Mortgages
    • Canada Mortgages
    • Australia Mortgages
    • Hong Kong Mortgages
    • Japan Mortgages
    • British Virgin Islands (BVI)

    Frequently Asked Questions

    What types of expat mortgages can you help with?

    We can help with all types of mortgages: residential, buy-to-let, second charge, secured loans, commercial loans or bridging loans. We can find the best expat mortgage rates whether you are applying in your personal name or via a limited company/SPV.

    How much will your expat mortgage broker services cost me?

    Our broker fee will vary depending on the individual case. We charge an application fee of £295 to start the mortgage process.  The mortgage completion fee will be no more than 1% of the mortgage amount, however this is only payable once we have an agreement in principal and you decide to proceed with the mortgage. This can be less if the mortgage is relatively straight forward.

    Which expat mortgage lenders do you work with?

    We work with expat mortgage lenders from all over the world have access to both well-known high street lenders as well as a broad selection of specialist lenders. We also deal with non bank lenders that can agree difficult expat mortgage case’s within 24 hours.

    Which countries can you finance around the world?

    We can arrange mortgages in United Kingdom, France, Portugal, Dubai, Thailand, Malaysia, Singapore, United States, Canada, Australia, Hong Kong, Germany, Japan and British Virgin Island’s (BVI)

    What documentation will you need from me?

    The documentation required differs from lender to lender, but as a general guide we would require up to 3 months’ worth of payslips and bank statements; ID; proof of address such as passport and local country ID. Local tax return document if  self employed and 2 to 3 years of audited accounts if applying as a limited company.

    I’d rather speak to someone directly – is that possible?

    Absolutely! If you would like to speak to one of our brokers directly simply call us on +6011 2684 0540 and we’ll be happy to help. You can also email us at [email protected]

    When will I find out if my expat mortgage has been approved?

    Expat lenders inevitably work to different timescales but we will be able to give you an indication of likely turnaround times once you have decided to proceed with a particular product. Our support staff will monitor your application carefully and provide you with regular updates regarding progress.

    Will my details be shared with other companies?

    Premier Expat Mortgages is committed to protecting the privacy and confidentiality of information provided by its customers and upholding data protection principles. Please click here to see our Privacy Policy.

    Why should I use you rather than going to a lender directly?

    Our expert knowledge of the expat mortgage market and independent status allow us to provide you with individually-tailored financial advice that isn’t influenced by any particular lender. We have a broad range of bank and non bank lenders on our lending panel and we can turn your expat mortgage around quickly.

    What makes you different from other expat mortgage brokers?

    As an expat mortgage broker we understand our clients better as we are expats ourselves and based overseas.  Our large and proactive support team ensures that all clients receive a personal level of attention that is second to none. Close relationships with a variety of both mainstream and niche lenders mean that we are first to hear of product updates and we frequently receive exclusive rates to pass on to our expatriate clients.

    My situation is complicated. Will you still be able to help me?

    Our team of consultants possess expert knowledge of the expat mortgage market and know the best lenders to approach for a range of different and complex circumstances. Call us to explain your situation and the chances are we will be able to find the perfect solution.

    I’ve been turned down before for an expat mortgage. Is it worth me applying?

    Yes! Not all lenders are the same and it’s more than likely that we’ll know the right lender to submit your application to.

    Where can you find a UK mortgage as an expat?

    If you are an expat looking to buy or refinance UK property the choice of lenders who will deal with you will depend on your circumstances and where you are based in the world.

    Some UK high street banks have international arms which provide solutions to expats however the criteria for each of these lenders will differ. Criteria could include minimum loan size, the country you are based in, employment status, how long you have been an expat, your income and your age.

    We have strong relationships with UK and international banks that provide expat finance including specialist lenders who can offer innovative lending for more complex scenarios. Salary in a foreign currency is not usually an issue for private lenders, nor is complex income, including earnings from stocks, shares and other investments. This means your whole income can be considered when calculating affordability.

    Fees: Investment property purchases because of their investment role tend to attract higher fees charged by the lender and the broker. Here at Premier Expat Mortgages we understand the case of keeping these as low as possible. With broker fees of up to 2% and lender arrangement fees as high as 1.5% we aim to work with the client to save them monies wherever possible. Get in touch and tell us what you broker is charging and we guarantee to beat them with a lower broker fee.

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