If you are a foreign national residing outside of, or in the UK and are interested in purchasing or re-mortgaging a property in the UK, we might be able to help.
Assisting clients globally to secure finance against a UK property, can be a complex process. However, we have a great deal of experience in putting cases for foreign national mortgages together and presenting them to lenders successfully.
If you are looking to make a purchase, or re-mortgage a current residential UK property, our team of specialist brokers are happy to advise you. Whether it’s a new main residence for your family or a pied-á-tierre, a residential mortgage is an exciting and sometimes challenging milestone. If you are a current UK property owner you may wish to re-mortgage your residential or Buy to Let property for a number of reasons, these could include: getting a better rate, raising capital or refurbishing a property. To help you find the most suitable mortgage it is a good idea to talk to a mortgage adviser who specialises in arranging mortgages for foreign nationals.
Similarly, if you are looking to invest in a Buy to Let for the first time, expand your portfolio of properties in the UK or remortgage an existing one; we can talk you through the various options that might be available and help you navigate the potential complexities of obtaining a mortgage as a foreign national. If you would like to arrange a foreign national mortgage call us on 020 7519 4900, to talk to through your options with one of our specialist mortgage advisers.
Things we need to consider when arranging mortgages for foreign nationals
There are some factors which will impact on how easy it will be for you to place a mortgage as a foreign national, that are important to consider.
Buying through a Special Purpose Vehicle (SPV)
If you are buying through an SPV we will need to know where it is located, as well as receive a personal guarantee for the SPV. It is possible to get a lender on board if you wish to purchase through an SPV, however, this will depend upon its location and structure type. Please do not hesitate to get in touch with us if you would like to place a large mortgage for a UK property through an SPV.
We place large mortgages for clients both inside and outside the UK, through our access to 84 global lenders. We are have arranged mortgages in the UK for foreign national clients who reside in the Far East, the USA, Africa, and Europe, successfully overcoming barriers to funding, whilst adhering to client’s specific requests. We aim to make the process as smooth as possible for our clients, regardless of how complex their needs.
We strive to successfully arrange a competitive mortgage for you, whether it be for a residential or Buy to Let property, which is specifically tailored to your needs as a foreign national. We are on hand whenever you may need our assistance, taking time differences into consideration when making contact with you, during each part of the process, as well as after your mortgage has completed. If you would like to discuss arranging a foreign national mortgage with one of our specialist mortgage advisers, call us on 020 7519 4900 or send us an email.
The Financial Conduct Authority does not regulate some aspects of foreign currency mortgages, overseas mortgages and Buy to Let mortgages.
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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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.
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