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Do I Need A Mortgage Broker ?

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Do I Need A Mortgage Broker ?  What will an independent broker do for you?

The independent 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.

Using an Independent broker registered with the FCA in the UK you’ll enjoy a number of advantages compare to “going it alone”.

These include:

  • Choice of deals currently available
  • Choice of lenders
  • Expert advice
  • Fully qualified adviser
  • FCA regulated.

Selecting the correct deal for you can save a large amount of money in the long term.

Time to re-mortgage?

As an expat when was the last time you checked what interest rate you are paying?

In order to re-mortgage effectively, it’s important to first establish the purpose of re-mortgaging.

Many UK expat and foreign national investors re-mortgage to secure lower rates or stabilise their finances.

Others use remortgaging to finance additional property purchases and expand their portfolios—a strategy best suited for experienced investors, those with significant capital gains, or those with low loan-to-value ratios, as they can more easily negotiate favourable terms.

There are currently attractive low loan-to-value options available that may offer significant benefits. Please contact us to learn more about these opportunities.

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.

 

Expat mortgages for UK Expatriates in Dubai and Arab Emirates

Buy-to-Let for Brit Expats

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Buy-to-Let for Brit Expats . Expat Buy-to-Let Mortgages

The selection of expat buy-to-let mortgages comprises fixed, tracker, and standard products, many offering substantial introductory discounts.

It is advisable to consult with a qualified independent adviser who is familiar with the latest market offerings to ensure you select the most suitable solution for your needs. This approach can result in significant long-term financial savings.

Interest rates remain highly competitive, with several attractive options available for longer-term fixed-rate arrangements.

As an expat If you are looking to enter the buy-to-let for brit expats market consider these points:

  • Target your tenant – Students, young professionals, or families.
  • Purchase the right sized property – Vast majority of tenants want 1-3 bedrooms.
  • Location – Key to any success, near schools, shops or local businesses.
  • Property – Should be clean well decorated and meets government regulations.

Following these very simple tips will ensure you have maximised your long-term potential profitability.

Supply shortages of quality rental properties

A recent report finds that rents are rising due to a persistent shortage of rental homes, with available housing nearly half the five-year average.

Demand for two-bedroom flats has increased, likely because these units are more energy-efficient than larger houses. As the undersupply continues, rents are expected to remain above average into 2025/26.

Need help?

If you require support with your mortgage or re-mortgage, you can contact one of our qualified independent advisers for assistance.

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How Can A Brit Expat Raise Capital ?

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How Can A Brit Expat Raise Capital ? Expats are using the equity in their UK properties to raise funds

The expat new and re-mortgage market experienced increased activity last year, particularly during the latter part of the year.

Applications for re-mortgages rose by 37% over 2024 and this trend has continued into this year.

With the value of UK property continuing to rise each month, some expats have used this as an opportunity to raise capital for alternative ventures.

Property values are projected to increase over the next few years, though at a slower rate.

The chancellor has indicated that interest rates may rise in the future, but at a gradual pace. These conditions have led to greater capital raising activity among expats.

Lenders have responded by increasing the number of mortgage products available to expats, who now have access to a wider range of options with competitive rates.

There are also a good range of Higher Loan to Values deals now available which has caused a lot of interest!!

Those considering re-mortgaging should weigh both advantages and disadvantages and carefully consider all factors before making a decision.

Seeking professional independent advice is recommended to determine suitability for both short- and long-term needs.

Selecting a mortgage to suit your needs

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

Need some help?

If you are thinking of re-mortgaging or want advice on a new mortgage, please do call or contact. One of our fully qualified independent advisers who will be happy to assist.

 

 

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Do I need An Ex-Pat Mortgage Broker ?

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Do I need An Ex-Pat Mortgage Broker ? Are you an expatriate with an expat mortgage?

Mortgage rates are expected to remain high, making it a good time for borrowers to secure a fixed-rate deal. Those on a standard variable rate or nearing the end of their term could save thousands of pounds by switching.

The savings can be substantial and very rewarding.

If you’re an expat still on a standard variable rate and haven’t re-mortgaged, now is the time to reassess your options. With interest rates expected to rise soon, it’s wise to consult an independent broker promptly.

There are still competitive fixed, and discount deals available, but they may not last much longer.

First time buyer?

Rising levels of mortgage enquiries, applications and completions shows that a significant number of expat first-time buyers are still both willing and able to get a foot on the UK property ladder.

UK property values remain stable which is a testimony to the long-term potential growth this market offers. Even with all the uncertainty in the world and the UK the market remains resilient and profitable, which is why expats see this area as good financial security.

Independent brokers

Brokers give consumers access to more products and options. And their expertise can help you secure a better mortgage deal.

What can a mortgage broker do for expats?

Their primary role is to assist expatriates in identifying the most suitable mortgage options available in the UK. They strive to streamline the process, carefully evaluating each individual’s circumstances in order to recommend the product that best meets their requirements.

Need assistance?

Our professional independent advisers are used to dealing with all types mortgages. Contact Us today, they have vast experience in the expat mortgage market.