Expat Mortgages UK

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Why Choose Us

0 %
5-star reviews on Google
0
years we have been as independent mortgage and protection brokers
0 %
customer satisfaction for finding the best deals on the UK market
£ 0
total donated to various charities

Why Choose Us

0 %
5-star reviews on Google
£ 0
total donated to various charities
0
years we have been as independent mortgage and protection brokers
0 %
customer satisfaction for finding the best deals on the UK market

Navigating the property market as a UK national living abroad can be challenging, but at Ascot Mortgages, we simplify the process. Whether you are looking to invest in a buy-to-let property, borrow funds to purchase a home, or remortgage, our bespoke Expat Mortgages services are tailored to meet your unique needs, ensuring a seamless and hassle-free experience.

What Our Clients Say About Us

5.0 Based on 143 reviews from review us onFlora R. ★★★★★ I worked with Richard (Protection Adviser) for a couple of days to sort out life and critical illness insurance. Absolutely brilliant, he found me and my husband the perfect policy. Very knowledgeable and easy to get on, he definetely makes things easy to understand. Thank you for the great service provided.Debbie P. ★★★★★ Cannot speak highly enough of Ascot Mortgages who have helped me on my journey over the last seven years. They have made the dream property possible twice. Thank you to Alison, Jardelle and all the team. I am very grateful.Areti D. ★★★★★ Absolutely thrilled with the exceptional service provided by Ascot Mortgages Ltd and especially by Natalia Barry! Even though our home purchase hasn't been completed yet, we couldn't wait to share our positive experience. From the moment we reached out, their professionalism and expertise shone through, making the daunting process of securing a mortgage a breeze.Not only did Natalia navigate the intricacies of the mortgage market with finesse, but they went above and beyond by suggesting other high-quality services, including solicitors and insurance providers. This comprehensive approach is making the entire home-buying journey seamless and stress-free.Natalia took the time to understand our unique needs and financial situation, ensuring that the options presented were tailored perfectly.Communication is prompt and clear throughout, leaving us feeling informed and confident at every stage. Natalia had our best interests at heart, going the extra mile to secure a fantastic mortgage deal.We cannot recommend Ascot Mortgages and Natalia highly enough. If you're in need of mortgage assistance, look no further. With their expertise and dedication to client satisfaction, you're in the best hands possible. A huge thank you to Natalia for making our home-buying experience a dream come true!Ashley Cox 1. ★★★★★ Would 100% recommend. Myself and my partner are currently going through the mortgage process as first time buyers. Natalia Barry has dealt with our application from day one. She has always been on hand to help, informative throughout and reliable when we have had questions. She has given us several options and broken them down into simple terms to help us. Natalia has truly been exceptional who deserves every bit of credit. We certainly got lucky having her as our first mortgage consultant.Dominik S. ★★★★★ Alison and the Ascot Team are excellent. I have used them for 5 years now and they deliver the most competitive mortgage deals fast. Just what I need. Thank you!Eric T. ★★★★★ We have dealt with Ascot Mortgages twice. Once for a mortgage about eleven years ago and recently for life insurance.In both cases we were treated with the utmost respect and professionalism.In the case of the life insurance application, we considered ourselves to be problem customers because of our age and numerous health issues.Richard Johnson, who managed this application couldn't have been more helpful.He worked in our best interest and was dedicated to providing an excellent service.We were kept up to date through all of the stages of the application and when our doctors were very slow in producing medical reports for the insurance company he persisted where others might have given up.The service we had from Richard was pleasant and professional throughout some difficult stages.My wife and I have no hesitation in recommending Ascot Mortgages.Zack R. ★★★★★ Having dealt with Ascot Mortgages and Alison for many years now I can say that you wont find a more professional, knowledgeable and efficient company to help with your mortgage. Alison is patient and makes the whole process seem easy. She has the answer to any question you have and seems to genuinely care. I can not recommend enough. I am sure I will be using Ascot Mortgages for years to come.Umair Z. ★★★★★ It has been a fantastic experience to work with both Phil and Jardelle at Ascot Mortgages to secure a mortgage product for my first home. Phil made the mortgage process smooth and easy. They are professionals and know what they are doing. Very pleased with the service and communication. would highly recommend them.Hello at NLP West M. ★★★★★ I needed a buy to let re-mortgage. Ascot were efficient from start to finish. I can recommend them completely especially because they can search the whole spectrum of mortgage lenders and meet the clients needs. never waiting for staff to get back and always kept me in the loop.Onohomen O. ★★★★★ ZHOU J. ★★★★★ It has been a brilliant experience to work with both Phil and Jardelle at Ascot Mortgages to secure a great mortgage product for our next home. Given how challenging the current market is, they have done a fantastic job to meet our needs with their expertise, professionalism and effectiveness. We would highly recommend their services to whom seeks help with their property purchase.Nicholas S. ★★★★★ Fantastic service. Ellie and Jardelle were always quick to reply to any queries and very helpful throughout the process. Highly recommend!Stacey S. ★★★★★ Jason was brilliant to work with! Always on top of the transaction! Would highly recommend 👍Scott ★★★★★ Although I've not bought anything yet, they (Jason in particular) have been super helpful in my search for the right mortgage deal, whilst also giving an honest opinion during these difficult times. Would highly recommend.Sandra I. ★★★★★ Fantastic from start to finish! Natalia and Jason found me the best rate for my remortgage and they were extremely efficient! Best service I’ve ever received from a brokerage company. Thanks so much.Virmantas N. ★★★★★ Amazing service and great communication. Ellie Morgan had quickly completed all requests and over delivered all expectations.Highly recommended for those who want to get the stuff done without any delays!David W. ★★★★★ I have used ascot for 3 renewals since they done helped me with my purchase which was complicated and will continue to use them going forward. Very fair prices and very helpful and knowledgeable even with just general information.Adam B. ★★★★★ Natalia made life very easy for us when remortgaging. Third time using ascot always a breezeTaff G. ★★★★★ Ascot Mortgages have been brilliant. Easy to work with and incredibly helpful. I am always happy to recommend them. Natalia and Jason have made the whole process much easier than I was expecting. Excellent service.Daryl L. ★★★★★ We've had a fantastic experience with Natalia Barry and Jason Jones at Ascot Mortgages for our property purchases and refinancing. Their expertise, coupled with genuine care and understanding of our needs, made the process smooth and stress-free.They were consistently communicative, keeping us informed at every step. Their assistance in consolidating our protection cover was invaluable, simplifying what could have been a complex process.What set them apart was their personal touch – always polite and ready to pick up the phone for a chat. This level of personal engagement is rare and much appreciated.In short, Natalia and Jason are not just skilled professionals but also truly dedicated to their clients. We highly recommend their services to anyone in need of mortgage advice.Sarah A. ★★★★★ I have used this firm for several years and they have always been super helpful and supportive, attentive and resolved issues in really useful ways. Shout out to Alison, Ellie and Jardelle (and the team!)Georgia W. ★★★★★ We worked with Ellie to secure our mortgage and protection, and she was a dream! Being a first time buyer, I was quite clueless about the process, and in a time where mortgage rates have been quite high, she worked right til the end to make sure we were getting our mortgage at the best possible rate and was always available to answer all questions I had. Can't recommend enough 🙂Richard D. ★★★★★ Laura S. ★★★★★ As a first time buyer, trying to navigate through potential mortgages was a very daunting thought. Ascot Mortgages were recommended to me and I've been extremely happy with the service provided. They have guided me through every step and I finally have a mortgage. Very pleased and would recommend.Lucy B. ★★★★★ Having Phil as my mortgage advisor was great from the very start! He is down to earth and speaking to him was always a pleasure. The kindness, compassion and support I have been given all the way through what can be a stressful process was immeasurable. Phil and Jardelle worked as a solid team and was able to make me feel at ease all the way through buying my first home. The team were always available and the communication between everyone was always clear and I felt safe in the hands of the company as a whole. Thank you for helping me buy my first home!js_loader

Written by:

Alison Gibson

Ascot Mortgage Expert

Last Updated:

07.10.2023

Written by:

Alison Gibson

Ascot Mortgage Expert

Last Updated:

07.10.2023

What Is an Expat Mortgage?

An Expat Mortgage is a specialised type of mortgage offered to UK nationals living overseas, looking to buy or remortgage property in the UK. This mortgage allows expatriates to invest in the UK property market, whether for rental income through buy-to-let or as a residence when they return.

  1. Eligibility: Typically, lenders assess income, credit history, and property type to determine eligibility. Some may require a UK bank account and a minimum income level.
  2. Interest Rates and Repayment: These mortgages may come with varying interest rates and repayment terms, tailored to the unique circumstances of the expatriate/
  3. Application Process: The process may involve additional paperwork and verification due to the applicant residing abroad, but with a knowledgeable broker like Ascot Mortgages, this is streamlined.

Mortgage Repayment Calculator

Types of Expat Mortgages UK

Expatriates have access to various mortgage types, depending on their property investment goals and financial circumstances. Ascot Mortgages offers guidance in selecting the most suitable option among the following:

  1. UK Expat Mortgage for Purchase: Ideal for expats looking to borrow to buy a property in the UK, whether as a future residence or a family home.
  2. Expat Buy to Let Mortgages: Tailored for expats seeking to borrow funds to invest in UK rental properties, offering a potential source of income and capital growth.
  3. Remortgage Options: For expats looking to secure better mortgage terms on their existing UK property or release equity.
  4. Overseas Property Mortgage: Assisting expats in buying property in their country of residence, while still adhering to UK mortgage regulations.

Navigating Expat Mortgage Eligibility and Applications

Ascot Mortgages stands as a beacon of guidance through the intricacies of Expat Mortgages UK eligibility and application processes. Our expertise ensures that you are well-informed and prepared for the unique requirements and verifications necessitated by residing abroad.

– Documentation: Verification of income, employment, and residency are paramount, with additional documentation possibly required due to overseas living, crucial for those looking to borrow.

– Currency Fluctuations: Understanding the impact of currency fluctuations on mortgage repayments is vital, ensuring financial stability.

– Regulatory Compliance: Adherence to both UK mortgage regulations and any applicable overseas regulations is essential to a smooth transaction.

– Tailored Solutions: Every expat’s situation is unique, necessitating customised mortgage solutions aligned with individual goals and financial circumstances.

Alison Gibson

Ascot Mortgage Expert

Remortgage

Remortgaging is applied when you keep

living in your present property while applying for another mortgage deal with a new lender. Before finding out how to remortgage and get the best offers from experts like Ascot Mortgages, you have to check meeting what parameters of the deal that can help you succeed the most. The range of background factors varies a lot — from the recently changed loan-to-value ratio or your existing agreement coming to an end.

Whether you are trying to get a more beneficial deal or searching for funding to improve your home conditions, remortgaging is one of the most advantageous scenarios to consider.

Ascot Mortgages: Your Trusted Expat Mortgage Broker

Ascot Mortgages takes pride in being a trusted expat mortgage broker, guiding you through every step of securing your ideal UK expat mortgage. Our comprehensive services encompass:

  1. Expert Advice: Providing knowledgeable advice tailored to your unique needs and financial situation.
  2. Best Deals: Leveraging our extensive network to secure the best expat mortgage deals available in the market.
  3. Smooth Application Process: Ensuring a seamless and efficient application process, managing paperwork and liaising with lenders on your behalf.
  4. Regulatory Compliance: Navigating UK and any relevant overseas mortgage regulations to ensure a compliant and hassle-free transaction.

Conclusion

Embarking on the journey to secure an Expat Mortgage can be a venture into uncharted territory, but with Ascot Mortgages, you are in safe hands. Our experienced team is dedicated to simplifying the process, offering expert advice, and securing the best deals in Expat Mortgages UK. Whether you are an expatriate looking to invest in a buy-to-let property, borrow to purchase your dream home, or explore remortgage options, Ascot Mortgages is your trusted partner in turning your property aspirations into reality.

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FAQ

A UK expat mortgage is primarily designed for British nationals who are living abroad but wish to purchase or refinance property in the UK. To be eligible, applicants typically need to demonstrate a clear credit history, provide proof of overseas employment, and have a stable income. Lending criteria may vary between lenders, so it’s always best to consult with a mortgage advisor for your specific situation.

Yes, many lenders offer expat mortgages to non-UK citizens who are residing abroad, but they may have stricter criteria. It’s essential for applicants to have a strong connection to the UK, such as a history of residency, work, or property ownership. As with all mortgage applications, a good credit history and a stable income are key considerations.

Generally, expat mortgages can be used to purchase most types of residential properties in the UK. However, certain lenders may have restrictions or exclusions, such as properties with non-standard construction, holiday homes, or properties for business use. It’s always recommended to discuss your property preferences with a mortgage advisor to ensure it falls within the accepted criteria of your chosen lender.

Yes, many lenders will consider foreign income when assessing your eligibility for an expat mortgage. It’s essential to provide proof of this income, such as payslips or tax returns, and be aware that lenders might apply exchange rate adjustments. Depending on the currency of your income and fluctuations in exchange rates, this can affect the amount you can borrow. Speaking to a mortgage advisor will help clarify how your foreign income will be assessed.

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