Expat Mortgages

Expat Mortgages

Expat Mortgages - Expat mortgages are specialist mortgages for expats. These mortgages allow British nationals living abroad to purchase properties in the UK, whether as an investment, a second home or a home to move back to upon their return to the UK. Borrowers wishing to take out expat mortgages should keep in mind that they are specialist products. In addition, exchange rate fluctuations are likely to affect monthly payments, affecting budgeting.

At Capital Fortune, our specialist team are experienced in arranging expat mortgages. Many lenders in the UK provide expat mortgages. Our team has established links with these lenders and work closely with our clients to arrange the mortgages which are most suitable for our clients’ specific needs. We offer our clients a personalised service, especially in specialist areas such as expat mortgages.

Our advisers at Capital Fortune are able to save you money, time and hassle by dealing with the lenders on your behalf. We also take care of the paperwork and present your details to the lenders in a manner which maximises the potential success of your application.

Call our mortgage broker team now on 020 3 216 2037 or complete the Mortgage Enquiry Online. As part of our service, we will call you back.

The Financial Conduct Authority does not regulate some forms of buy to lets, commercial mortgages, secured loans, unsecured loans, bridging loans, trusts, overseas mortgages, conveyancing or debt management.

How to get in touch

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Selected Expat and Offshore Worker Mortgages

A selection of some of our lenders mortgage products and rates are shown below. Contact us for a quote specific to your circumstances. Table data updated 26/07/2017.

CodeIntial
Rate
Mortgage
Type
For /
Until
Subsequent
Rate
APRCEarly
Repayment
Charge
Fixed Lender
Fees
% Lender
Fees
Notes

001

1.99%

Fixed

30/09/2019 4.59% 4.70% 2% in year 1, then 1% in year 2 £995

None

Expat Buy to Let to75% LTV

Repayment or Interest Only

Expat and UK Resident Joint Application.

002 **SEMI EXCLUSIVE**

 

3.19% Discount

31/12/2019

5.70% 5.70% 3% in year 1, then 2% in year 2 £0 0.75%

Expat Residential to 80% LTV

Second Home or UK Base

003

 

1.69% Discount 31/07/2019 5.70% 5.70% 1% until 31/07/2019 £199 None

Expat Residential to 75% LTV

Free Standard Valuation.

Either: immediately returning to the UK or UK resident and Expat Joint Application.

004

**SEMI EXCLUSIVE**

2.89% Discount 2 Years 5.70% 5.70% 3% in year 1, then 2% in year 2 £0 0.75%

Expat Buy to Let

Max 50%-75% LTV (product dependant)

First Time Buyers / Pure Expat Applicants Considered

005

1.24% Fixed 30/11/2019 3.75% 3.75% 2% in year 1 & 2 £995 None

Expat Residential

Max 60% to 90% LTV (product dependant)

UK resident and Expat Joint Application

006

**SEMI EXCLUSIVE**

 2.80% Discount  2 Years  5.29%  5.29%  2% in year 1, then1% in year 2  £995  None 

Expat Holiday Let

Max 60% - 75% LTV (product dependant) 

007  3.60% Fixed 31/08/2019  4.00%  4.00%  2% in year 1,then 1% in year 2  None  1% 

Expat Buy to Let

Max 65% - 75% LTV (product dependant)

Personal income used (not based on rental income)