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Mortgages

Expat Mortgages & International Mortgages

We cater for foreign nationals, British expats, UK residents earning in foreign currencies and non-domiciled UK residents. When it comes to our mortgages for expats, our offering includes an exclusive multi-currency offset facility for international buyers of UK property.

Expat mortgages fall into two categories: those that are for people who are about to move abroad and wish to retain their property here – usually to rent out; and people who are currently living abroad and are planning to return home at some point in the future.

Mortgage options from mainstream mortgage lenders for British expatriates are limited as their criteria are very strict in the current economic climate.

We can access a wealth of international lenders and private banks that have access to loans for expats in excess of £1 million.  

For British nationals overseas we can either structure the loan in the UK or in many other jurisdictions if your tax adviser recommends. We can create a loan structure which prevents you needing to bring non-internationally earned income into the UK. This saves on unnecessary charges.

We can also cross charge assets (either real estate or liquid) to achieve the best possible lending terms, for example:

Expat mortgages that take into account structures like family trusts, offshore investments, and international wealth and multi-currency income profiles.

We can work at a speed suited to your international lifestyle, and are familiar in dealing with customers across several time zones.   

Think carefully before securing other debts against your home or property.

 

  • This Month's Top Fixed Rate

    Fixed rate
    Initial rate: 1.14%

    Period: 2 Year

    Rate will revert to the lender's standard variable rate currently 3.74%
    The overall cost for comparison is 3.34% APR

    1.14%

    More info
  • This Month's Top Variable Rate

    Variable rate
    Initial rate: 1.18%

    Period: 2 years

    A variable rate which is 3.49% above the lender's Base Rate, currently 0.25% thereafter, to give a current rate payable of 3.74%
    The overall cost for comparison is 3.39% APR

    1.18%

    More info

    Get This Rate


Some of this month's top interest rates are listed above; the actual rate will depend on your circumstances. Please note that this information does not contain all the details you need to choose a mortgage, ask one of our advisers for a personalised key facts illustration on 020 7519 4900. The rate displayed may become out of date at short notice.

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London Office

Tel: 020 7519 4900
Fax: 020 7519 4910
Email: info@largemortgageloans.com

Guernsey Office

Tel: 01481 234527
Fax: 020 7519 4910
Email: info@largemortgageloans.com

YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT
Changes in the exchange rate may increase the sterling equivalent of your debt

Largemortgageloans.com is a trading name of Largemortgageloans.com Ltd, 12 Pepper Street, London, E14 9RP which is authorised and regulated by the Financial Conduct Authority. We are entered on the Financial Services Register No 302228 which can be viewed here: www.fca.org.uk/register/. The Financial Conduct Authority does not regulate some aspects of buy to let mortgages, overseas mortgages and tax advice. Help and advice in regards to mortgages is available at www.moneyadviceservice.org.uk

Largemortgageloans.com Limited is registered with the Guernsey Financial Services Commission as a Non-Regulated Financial Services Business.

A typical fee of 1.17% of the mortgage amount is payable. Of this, 20% is payable on application and the balance of 80% on completion. For example on a mortgage application of £300,000 the fee would be £3,510 in total. Of this, £702 (20%) would be payable on application and the balance of £2,808 (80%) on completion. The total fee is non refundable. We may also be paid commission from the lender. The guidance and/or advice contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK. Calls may be recorded for training and monitoring.
You may have to pay an early repayment charge to your existing lender if you remortgage.

Largemortgageloans.com Ltd Registered in England and Wales No: 5070990 Registered Address: Bridge House, London Bridge, London, SE1 9QR. 2005-2015. All rights reserved.