Offshore Mortgages

Should you wish to structure your mortgage offshore, we are able to assist.

If you are considering investing in offshore property you should make sure you take specialist mortgage advice. The house buying process varies considerably from country to country, with different legal systems and local customs.

Off-shore mortgages can be very tax-effective for a certain category of borrower seeking to purchase property in the UK, although due to recent changes in the law you should always ensure that you take personal tax advice – especially because offshore mortgages and offshore tax planning can be very complex.

Generally speaking, people who can apply for offshore mortgages include UK resident non-domiciled individuals and non-UK residents. largemortgageloans.com deal with both.

Should you wish to structure your mortgage offshore, through a limited company or offshore trust, in sterling or in another currency, we are able to assist.

For most people the best option is to arrange your overseas mortgage in the currency you earn income in. If however you are planning to receive rental income from your property in the local currency then a mortgage in the local currency may be the better option, depending on the mortgage lender’s criteria.

We understand the complex nature of offshore mortgage lending and work with many private banks who have a flexible approach to underwriting, tailoring a mortgage specific to your individual needs.

The levels, bases and reliefs from taxation depend on the individual circumstances of the investor.

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Should you wish to structure your mortgage offshore, we are able to assist.

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. You may have to pay an early repayment charge to your existing lender if you remortgage. Think carefully before securing any other debts against your home.  

largemortgageloans.com is a trading name of Largemortgageloans.com Ltd, Aegon House, Ground Floor Suite, 13 Lanark Square, London, E14 9QD authorised and regulated by the Financial Conduct Authority (FCA). Our FCA registration number is 302228 and can be viewed by visiting the FCA website: www.fca.org.uk.  The FCA does not regulate tax advice or some aspects of commercial, buy to let, overseas mortgages, bridging finance, finance and asset lending.  

Largemortgageloans.com Limited is registered with the Guernsey Financial Services Commission, reference number: 2269418, as a Non-Regulated Financial Services Business.  

Largemortgageloans.com Ltd Registered in England and Wales No: 5070990 Registered Address: As above. The guidance and advice contained within the website are subject to the UK regulatory regime and is primarily targeted at UK customers. Calls may be recorded for training and monitoring.