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Best Time For Expat Mortgage Deal

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The next two years will be very buoyant for expat buy-to-let’s experts say!

Independent research reveals expat lenders are expanding their product range for buy-to-let and limited company mortgages.

Also, and very importantly with higher loan to values available!!

Limited company buy-to-let mortgages now account for nearly 40% of all products on offer to the expat investor.

Not all lenders offer buy-to-let mortgages to expat limited companies, but we can confirm this is changing all the time. More lenders are recognising limited company business is going to become a great deal more popular than years gone by.

The cost of a limited company mortgage is higher than the normal product, plus some set-up fees are higher. Most of the fee’s payable are on a percentage basis and range from 0.5% to 1.5% and an investor should be very careful of their choice.

The UK rental market is currently booming.

The key to any successful investment is ensuring you have a sound strategy. For property, this means a combination of fundamental elements that theoretically add up to you finding a property that will deliver growth and provide a regular rental income (if this is a goal), allowing you to passively grow your wealth over time.

These elements are good location, connectivity, amenities, infrastructure, and investment and of course tenant demand which, if you get the first four right, should come naturally.

For speed and efficiency use an independent broker

The broker will take control of the mortgage process, therefore relieving you of the stress and paperwork.

They will be able to deal with the mortgage company supplying the loan and answer any queries they may have, saving you time and money.

Help required?

 If you are an expat looking for a new or re-mortgage, please do get in touch and one of our fully qualified independent advisers will be happy to assist.

 

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Choose An Expat Mortgage

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Choose An Expat Mortgage. Selecting an expat mortgage to suit your needs

Securing an expat mortgage doesn’t have to be difficult.  it is always recommended to get expert independent professional help. Using a specialist expat broker will without doubt give you the edge.They will be experienced in this type of mortgage process. So how to choose an expat mortgage.

Many expats try to go it alone and secure their own mortgage. This of course can be done but living abroad whilst applying does present quiet a few challenges. Time difference and communication problems to mention a few!!

Expats now have a bigger choice of mortgages available. Including the new higher loan to value deals.

Real value for money and long-term security

The UK property market offers really good value for money if you own a property or can afford to buy one.

Anybody who has owned a property in a good area of the UK over the last 15 years would have seen their investment grow substantially. So how t

Traditionally the UK property market has always offered good value. As long term investment potential there is no reason to believe this will not continue long into the future.

More expats choosing independent broker assistance for mortgages advice.

The number of expat mortgages coming through independent brokers has risen steeply over the last 2 years. This figure now stands at 82% from 66% last year.

There has been a steady increase in mortgages sold by intermediaries to expat buyers and re-mortgagers as the market remains very buoyant indeed in 2025.

Assistance required?

If you would like help with your new or re-mortgage, please make contact. One of our independent advisers will be happy to help.

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UK Property Investment for UK Expats

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UK property investment for UK Expats. Values are showing very positive signs

Experts believe UK property values will rise between 4% & 7% across the UK. This year according to figures released by one of the major high street mortgage lenders.

If these figures are achieved it will reverse the current decline of this year. The report also states increases in values could be stifled by the possibility of further cost of living increases.

As an expat with property in the UK if you compare this annual growth to what could be achieve from an investment in any high street bank. Property looks a very good bet indeed. This is why UK property investment for UK Expats only continues to rise.

Interestingly the report states they expect growth to slow slightly more in the London area than elsewhere. It is likely properties in the North of the country will see the largest growth due to their current affordability.

Expat mortgages are readily available

Great news for the expat investor looking to buy or re-mortgage. Plus now there are mortgages available with high loan to values! Interest rates seem to be stable so all in all it could be a good time to invest.

Property is still in short supply.

 There has been and still is a shortage of supply which constrains activity in the housing market and levels of house building remain lower than years gone by.

It is believed due to the shortage of property available that house prices will remain stable for the foreseeable future which spells good news for expats with property in the UK.

 Need some help?

If you require any assistance with your new or existing mortgage, please do contact us. One of our fully qualified independent advisers who will be happy to help.

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Highest LTV Mortgage For UK Expat ?

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Highest LTV Mortgage For UK Expat ? New higher loan to value (LTV) expat mortgages are now expanding.

Just released, there are now up to 90% LTV mortgages available at advantageous rates. So, unlike the past expats have a lot more choices available which can only be good news.

Check if you qualify and what is the highest LTV mortgage for UK Expat?

These deals are open to expats abroad with proven salaries in the following currencies.

Sterling, Euro, Swiss Franc, Norwegian Krone, US Dollar, Canadian Dollar, Singapore Dollar, Hong Kong Dollar, UAE Dirham, Kuwaiti Dinar, Qatari Riyal, Australian Dollar, New Zealand Dollar, Danish Krone, Swedish Krona, Saudi Riyal.

Estate agents around the country are reporting a high demand. In particular for low end quality properties with first-time expat buyers being very active.

The UK property market continues on an upward spiral and offers longer term growth and security. Mortgage lenders are offering good interest rates to attract new business. So if you are contemplating investing now would seem a good time to buy in the UK.

LTV Mortgage Offers

There is little doubt the attractive mortgage interest rates and higher loan to value deals currently on offer have played a key role in driving these figures.
Expat borrowers have taken advantage of the current rates and used a re-mortgage in particular to their benefit.
Interest rates and higher loan to value deals are certainly in the borrower’s favour at present. But there is always a lot of debate of how long these rates will last. All of this in mind it could be a very shrewd move to consider your own mortgage position.
It is very commonplace for clients with a mortgage to just leave it as is. They are not aware of the savings that could be achieved with a re-mortgage.
As an expat do check your current mortgage as you could be paying more than you need to!!

Need assistance?

If you require help with your current or new mortgage, please contact us. One of our experienced independent advisers who will be happy to assist.

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What Is The Highest LTV Mortgage For An Expat ?

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What Is The Highest LTV Mortgage For An Expat ? New higher loan to value expat deals have impacted the market significantly

The expat mortgage market has seen a huge upturn in recent weeks due to the new higher loan to value deals that are available.

Interest rates seem to be stable which has added to the surge in business. Expat enquiries are at record highs with the re-mortgage market leading the way.

Why re-mortgage? So What is the highest LTV mortgage ?

There are many reasons you may wish to consider a re-mortgage, and it is without any doubt something every expat homeowner should consider, especially if you are stuck on your current lenders standard variable rate. It is not always best advice as your current deal may have conditions that are not beneficial, but you should take time to review on a regular basis. So why re-mortgage?

1) Secure a better rate of interest than you are currently paying.
2) Change current deal to a fixed rate for long term security.
3) Raising capital from equity within your property.

Expat mortgages are now easier and quicker to complete than ever before.

The time it takes to complete a new or re-mortgage for expat’s has reduced significantly in the last 2 years.

The industry is seeing a new application in a straightforward case complete in a matter of weeks rather than months.

Expats are now using an independent broker more than ever before to secure their deals whether it be a new or re-mortgage.

A survey showed using a broker will reduce completion times. They are fully versed in the expat mortgage process and able to react to the lender’s requirements much quicker.

Like to know more?

If you require help with your new or re-mortgage, please do contact.  One of our fully qualified independent advisers who will be happy to assist.