Asia's Premier Expat Mortgage Broker
Call Us on: 6011 2684 0540
Daily Mortgage News:
• Commercial mortgages, secured loans and bridging finance as well as london investment property and property furnishings and management
• Established to service the financing needs for international property investors
75% Mortgage Lending available in certain London postcodes

Mortgages For Expats

Premier Expat Mortgages was established to service the expat mortgage needs for international property investors and offshore based UK and worldwide expatriates along with foreign nationals. Based in Asia we have close links to the best expat lenders in the UK, United Arab Emirates and in Asia. As a fully independent expat offshore mortgage brokerage we are able to source ex-pat international mortgages from the whole of market enabling us to find the best expatriate mortgage deals for clients which enables us to negotiate the most competitive terms available. Whether you are interested in a UK expat buy to let mortgage or re-mortgage, international mortgage or even a resident returning to the UK and seeking a UK expat residential mortgage, we can help with the all-important offshore mortgage financing for your purchase. We are particular specialists in taking care of people looking to make a new purchase or refinance to release equity for Expatriate London Mortgages.

Expat Residential Mortgages In The UK

As a mortgage broker that focuses mainly on expats we can arrange financing for expats returning to the UK or expats looking to have their own residential property that they can stay in when they return to the UK for a holiday or vacation. There are some special terms that the lender likes to see for a residential mortgage which we will be happy to discuss with any potential inquiries from either expat clients, clients based in the UK or overseas based international clients looking to move to the United Kingdom to live.

Expat Global  Life Insurance Cover

In our dealings with clients for mortgages we also specialize are just one of the areas we assist potential enquirers and we also provide expat life insurance to cover any unforeseen eventuality in life by offering expat life and critical illness cover. Having the right level of expat life insurance cover is vital and we can carry out a life insurance assessment whilst preparing your mortgage agreement in principle for you.  Everybody expatriate 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 likely to be important to arrange insurance policies that have international coverage that enable you to move countries without having to re-new your life insurance cover. 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 portable policy that can move with you, wherever you are in the world. 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.

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 expat secured loans, development loans, expat bridging finance and expatriate commercial mortgages. Our links with lenders can provide unique financing options for offshore expatriates and  expat UK secured loans 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:

Singapore Mortgages-Japan Mortgages-Malaysia Mortgages-Thailand Mortgages-UK Mortgages-France Mortgages-Italy Mortgages-USA Mortgages-Canada Mortgages-Australia Mortgages-Asia Mortgages-Dubai Mortgages-Bali mortgages-Lombok Mortgages-Kuala Lumpur Mortgages-United States Mortgages

Santander Expat MortgagesHSBC Expat MortgagesNatwest Expat MortgagesBarclays Expat MortgagesHalifax Expat Mortgages

www.premierexpatmortgages.com

* Services intrested in


OUR 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.

Other Areas Of Financing Available

  • Expatriate Mortgages Based Overseas
  • International Mortgages for Expats
  • UK expat returning Residential Financing
  • Expatriate Buy To Let Mortgage
  • Expat Portfolio Refinancing
  • Mortagages 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

FREQUENTLY ASKED QUESTIONS

Can i get a UK mortgage as an expat based overseas?

Getting a UK mortgage as an expat living outside the UK can be tricky as most lenders will perceive you as higher risk borrowers ecause you dont have an up to date  credit history or maybe no credit history at all. Don’t worry though, there are plenty of mortgage providers who will offer you a mortgage whether you’re moving into your first UK property, remortgaging or buying to let as an  investment property.

Can i get a UK mortgage as a non UK citizen buying a property in the UK?

Yes you can get a mortgage in the UK even if you dont hold  a UK passport and do not live there. The UK housing market has always had a very open and transparent structure allowing virtually any nationality to buy property in the UK.

How much deposit will i need to obtain an expat mortgage for the United Kingdom?

For a buy to let property you will be looking to need a deposit of 25% to place down. For a residential property you would like to keep as your own home you will be needing to place down a deposit of 20%

Can i get a mortgage if i am paid in Euros or USD?

Yes you can get a UK mortgage as an expat earning in Euro’s or USD. Lenders all have different criteria but in general expat lenders understand that many applicants will be paid in currencies different form the GBP british pound sterling. Some clients have been known to be remunerated in 3 or 4 different currencies at the same time.

How long does it take to put an expat mortgage in place from first contact to mortgage being completed

Expat mortgages take a litte bit longer than if you were based and arranging the mortgage from the UK.  Because the lender doesnt have the opportunity of performing a credit check they work on full affordability assesment. Normally you would ideally need 10 to 12 weeks to complete the mortgage through to completion. Some banks have been known to state that they will only look at offering mortgages for applications with 6 months to complete. This is a little strange and rare but it means they dont have to rush the process and they generally have small teams working on the mortgages.

How long do you need to be living in the UK to secure a mortgage?

You dont have to be based in the UK to be able to secure a mortgage. Out expat mortgage team have been helping clients for over 10 years securing mortgages for clients based outside of the UK.

Do you only offer expat mortgages for the United Kingdom?

No we offer mortgages for expats for a range of different countries. We arrange mortgages at present for Singapore, Malaysia, Japan, New Zealand, Australia, Thailand,  Hong Kong, France, Spain, Germany, Canada and the United States (USA)

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 3% 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.
HOME September 14, 2018

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Kuala Lumpur Office

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Call Us +6011 2684 0540

Email Us [email protected]

Address 5 Queen's Road Central, Central, Hong Kong, SAR.

Address Level 16, Pavilion Tower, Jalan Raja Chulan, 50200 Kuala Lumpur,

Hong Kong Office