Mortgages Expat Mortgages & International 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: 1.35%

Period: 2 years

Rate will revert to a variable rate, currently 4.99% thereafter
The overall cost for comparison is 4.46%

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This Month’s Top Variable Rate

Variable rate
Initial rate: 0.97%

Period: 2 years

Rate will revert to a variable rate, currently 4.99% thereafter
The overall cost for comparison is 4.37%

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 The rate displayed may become out of date at short notice.

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