Expat & Foreign National Mortgages

London property has long been considered a safe haven for investors looking to put their money into a secure asset. As such, a large number of our clients are expats and foreign nationals so we have a wealth of experience in arranging property finance for people who are non-UK residents. Although not being a UK resident can be a major hurdle for some lenders, it’s something we specialise in and have the network to support.

We have helped clients from all over the world arrange mortgage finance in the UK. Naturally, some cases are more challenging than others and may require a detailed application and due diligence but we can take a holistic view of your circumstances and guide you accordingly.

WHAT DO I NEED TO KNOW ABOUT EXPAT AND FOREIGN NATIONAL MORTGAGES?

As an expat or foreign national, your nationality, country of residence, income structure and worldwide assets will all be considered to determine the most appropriate lender for you.

If you work for a multinational company, you are off to a good start. Depending on your jurisdiction, some lenders will require you to have an internationally accredited accountant – particularly if you are self-employed – but most important of all is demonstrating your source of wealth.

If you are an expat, options from mainstream lenders tend to be restricted. The lender will usually require you to rent out the property, unless a member of your family plans to live in it. As with foreign nationals, you will be required to prove your source of income.

HOW CAN ENNESS HELP WITH EXPAT AND FOREIGN NATIONAL MORTGAGES?

We have experience in securing property finance for clients from all over the world, both expat and foreign national. We work with a huge number of lenders who will lend to expats and foreign nationals for property purchases, and are skilled in sourcing the right one for your individual circumstances.

As well as arranging UK property finance, if you are moving foreign currency to the UK for your purchase, we can put you in touch with specialist tax advisors to ensure this process is efficient. We can also handle your foreign exchange (FX) requirements, giving you access to the most preferential market rates.

Our expert advisers are ready to speak when you are – and will pay careful attention to the time zone so as not to wake you up in the middle of the night.

 

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