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Mortgage & Equity Release - Call Us 0117 403 4474

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What is your mortgage for?

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4.83% 5 Year Fixed

  • 65% LTV
  • Overall cost for comparison 5.9% APRC
  • £500 Cashback

Representative Example: Mortgage of £100,000 on property valued at £200,000 over term of 25 years. Rate fixed for 60 months after which reverts to lender variable rate of 6.49%.

Book appointment with us »

4.89% 10 Year Fixed

  • 75% LTV
  • Overall cost for comparison 5.5% APRC
  • £1000 Cashback

Representative Example: Mortgage of £100,000 on property valued at £200,000 over term of 25 years. Rate fixed for 10 years after which reverts to lender variable rate of 6.24%.

Book appointment with us »

Details sort by initial rateLenderInitial rate Rate type Overall cost for comparison Product fee Monthly cost Enquire
Initial rate: 4.38%
Rate type: 2 year fixed
Monthly cost: £823.56 per month
Product fee: £899
Overall cost for comparison: 8.2% APRC
Barclays logo 4.38% 2 year fixed 8.2% APRC £899 £823.56 per month get quotes Broker Only Deal
Initial rate: 4.39%
Rate type: 2 year fixed
Monthly cost: £824.41 per month
Product fee: £899
Overall cost for comparison: 8.2% APRC
Barclays logo 4.39% 2 year fixed 8.2% APRC £899 £824.41 per month get quotes Broker Only Deal
Initial rate: 4.40%
Rate type: 2 year fixed
Monthly cost: £825.26 per month
Product fee: £899
Overall cost for comparison: 8.2% APRC
Barclays logo 4.40% 2 year fixed 8.2% APRC £899 £825.26 per month get quotes Broker Only Deal
Initial rate: 4.42%
Rate type: 2 year fixed
Monthly cost: £826.95 per month
Product fee: £899
Overall cost for comparison: 8.2% APRC
Barclays logo 4.42% 2 year fixed 8.2% APRC £899 £826.95 per month get quotes Broker Only Deal
Initial rate: 4.50%
Rate type: 2 year fixed
Monthly cost: £833.75 per month
Product fee: £0
Overall cost for comparison: 8.1% APRC
Barclays logo 4.50% 2 year fixed 8.1% APRC £0 £833.75 per month get quotes Broker Only Deal
Initial rate: 4.50%
Rate type: 2 year fixed
Monthly cost: £833.75 per month
Product fee: £995
Overall cost for comparison: 8.2% APRC
Progressive Building Society logo 4.50% 2 year fixed 8.2% APRC £995 £833.75 per month get quotes Broker Only Deal
Initial rate: 4.53%
Rate type: 2 year fixed
Monthly cost: £836.3 per month
Product fee: £0
Overall cost for comparison: 7.1% APRC
Santander logo 4.53% 2 year fixed 7.1% APRC £0 £836.3 per month get quotes Broker Only Deal
Initial rate: 4.55%
Rate type: 2 year fixed
Monthly cost: £838.01 per month
Product fee: £995
Overall cost for comparison: 8.2% APRC
Progressive Building Society logo 4.55% 2 year fixed 8.2% APRC £995 £838.01 per month get quotes Broker Only Deal
Initial rate: 4.58%
Rate type: 2 year fixed
Monthly cost: £840.57 per month
Product fee: £0
Overall cost for comparison: 8.2% APRC
Barclays logo 4.58% 2 year fixed 8.2% APRC £0 £840.57 per month get quotes Broker Only Deal
Initial rate: 4.60%
Rate type: 2 year fixed
Monthly cost: £842.29 per month
Product fee: £0
Overall cost for comparison: 8.2% APRC
Barclays logo 4.60% 2 year fixed 8.2% APRC £0 £842.29 per month get quotes Broker Only Deal
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Representative Example:

A repayment mortgage of £120,000 payable over 28 years and 1 month initially on a fixed rate for 2 years at 1.99% and then on the lender current variable rate of 3.69% (variable) for the remaining 26 years and 1 month would require 24 monthly payments of £465.20 and 312 monthly payments of £565.39 and one final payment of £565.19.

 

The total amount payable would be £189,357.67 made up of the loan amount plus interest (£68,161.67), booking fee (£999), completion fee (£30) and valuation fee (£197).

 

In this example the overall cost for comparison is 3.7% APRC representative.

 

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT

Mortgages For Expats In Dubai

Our Mortgage Expat Service - helping you make the right choice

Special features of what we offer include:

  • Whole of market service - we work with most UK lenders

  • Access to leading expat market mortgage rates 

  • Access to exclusive UK mortgage deals not available on high street

  • Do you have a complex income structure? We work with lenders who are used to unusual income streams from the UK and abroad and clients who are self employed

  • Quick turnaround - speak to us today if you need to move fast

  • Looking to raise additional finance on top of your existing mortgage or buy to let mortgage? - we have access to a range of innovative finance solutions

To investigate your mortgage options if you are British expat call our specialist mortgage team on (+44) 0117 403 4474 or fill in our callback request form.

"The essence of the Fair Mortgages service is professional independent mortgage and protection advice brought to you by a team of specialist advisers and experienced administration support. 

As your mortgage is such an important transaction, good advice is imperative.

Why Choose Us?

Mortgages For Expats In Dubai

Mortgages For Expats In Dubai

Whether you are a British expat currently living in Dubai looking for a mortgage to purchase property within the UK, or you live elsewhere, you may find it more challenging to secure a UK mortgage than a permanent UK resident.

However, it is possible for expats to secure both residential and buy to let mortgages in the United Kingdom.

There are a number of reasons why an expatriate may want to purchase property within the UK, such as; they are seeking to move back but want to purchase a property first or they want to purchase a residence for when they visit home.

Other reasons could include purchasing a property for a family member or perhaps taking out a buy to let mortgage for an investment property. Whatever the reason why an expat in Dubai or elsewhere wants a UK mortgage there may be a range of suitable products.

Credit Score

If a borrower has lived abroad for an extended period of time, they may find they do not have an easily traceable credit score in the United Kingdom. While this might sound better than having an adverse credit history, it can present problems.

This is because without a credit score to illustrate to lenders how an applicant has dealt with their credit commitment previously a borrower is somewhat of an unknown quantity to lenders, making it hard for lenders to assess the risk of lending to a particular borrower.

Evidence

As with any borrower, a lender will need expats to provide them with relevant evidence to prove both their income and other personal details such as their current address. This can however be more complex for non-UK residents.

To prove employment and income, lenders will generally need to see statements from their bank accounts and payslips from their current employer, while this may be easier for expats then who are employed by a multinational company that has a UK presence, even a self-employed expat may still be able secure finance from certain lenders.

Providing proof of address could be an issue for individuals whose current accommodation and utility bills are covered by their employer, in such cases the applicant may need to get their employer to provide a letter of induction to the lender as proof.

Mortgage adviser

Expats who are trying to secure finance to purchase property within the UK may wish to consider using an independent mortgage adviser that is based within the UK.

In addition to gaining a contact within the UK to help them and offer impartial advice, an adviser which offers a whole of market service can use their professional knowledge of the UK mortgage market to try and find them the best products for their needs.

To find out if Fair Mortgages could help you, you can use the contact form on this page to request a call-back, alternatively call directly on: 0117 403 4474 from the UK or +44 117 403 4474 if calling from abroad.

We work with lenders who will provide lending for ex local authority homes or flats

  • Access to leading market mortgage rates

  • Access to exclusive loan deals not available on high street

  • Fast turnaround - speak to us today if you need to move quickly

  • We have lenders who will take into account previous defaults and missed payments 

  • Looking to raise additional finance on top of your existing mortgage or buy to let mortgage? - we have access to a range of finance solutions

To investigate your mortgage options call our mortgage team on 0117 403 4474 or fill in our call back form.

"The essence of the Fair Mortgages service is professional independent mortgage and protection advice brought to you by a team of specialist advisers and experienced administration support. 

As your mortgage is such an important transaction, good advice is imperative.

 

Mortgages For Ex Local Authority Properties

Compare the Latest Mortgages Deals for Ex Local Authority Properties

Buying Your Ex Local Authority Property

Buying your ex-local authority property is likely to be one of the biggest financial commitments that you are ever likely to make and a dream for many people to own their own home.

Or, you may already be a property owner who is looking to buy an ex local authority or council property.

Can I buy my council house or flat?

If you have lived in your property for at least two years, and signed your tenancy agreement prior to 18th January 2008, then you should qualify under the Right to Buy scheme. If you signed your tenancy agreement after this date, you will need to have lived in your property for a minimum of five years before you have the Right to Buy.

Not all ex local authority properties are available under the Right to Buy scheme – for example, sheltered housing and temporary accommodation.

Costs involved in getting mortgages for ex local authority properties

Buying your ex local authority property, rather than renting it, will, however, bring additional costs which you should consider carefully before deciding whether or not to exercise your Right to Buy:

  • Initial purchase costs such as conveyancing fees and survey fees

  • Potential loss of benefits such as Housing Benefit and Council Tax Benefit

  • Cost of repairs and maintaining the property – remember that as a property owner you are responsible for the completion and payment for all necessary repairs to the property, so you will need to make sure you have enough savings to cover you if, for example, you have a burst pipe or a leaking roof

  • Additional costs which you may not have had to factor in before, such as buildings insurance

Advantages and disadvantages of getting mortgages for ex local authority properties

Advantages of continuing to rent from your local authority could include:

  • As a council tenant you may continue to be eligible for certain benefits that may not be available to you if you own your own home.

  • You will not need to organise and pay for your own property maintenance because the council will remain responsible for carrying out any major work required on your home.

However, the benefits of buying your council house through a right to buy mortgage could include:

  • The opportunity to by an ex local authority property at a significant discount from its market value

  • The security of having ownership of your home and the chance to benefit from any increase in its value

  • Being able to decorate and extend your property to your own tastes and requirements

Getting mortgages for ex local authority properties

Our dedicated whole of market mortgage team can help you to locate the right mortgage deal to suit your needs. To find the best ex local authority property mortgage deals for you – call us today on 0117 403 4474 or click here » to request a callback.

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