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Mortgage & Equity Release - Call Us 0117 403 4474

What is your mortgage for?

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0.94% APR 

  • Fixed for 28 months
  • 60% LTV - Interest only option
  • Overall cost for comparison 3.20%

Representative Example: 

Mortgage of £100,000 on property valued at £200,000 over term of 25 years.

Rate fixed for 2 years after which reverts to NatWest variable rate of 3.59%.

Call RBS on 0800 068 7706

1.13% APR

  • Fixed for 64 Months
  • 60% LTV - Interest Only
  • Overall cost for comparison 2.70%

Representative Example: 

Mortgage of £180,000 on property valued at £300,000 over term of 25 years.

Rate fixed for 5 years after which reverts to NatWest variable rate of 3.59%.

Call NatWest FREE on 0800 068 8567

3.64% APR 

  • Fixed for 26 months
  • 95% LTV - £500 CASHBACK Offer!
  • Overall cost for comparison 3.30%

Representative Example: 

Mortgage of £100,000 on property valued at £200,000. Term of 25 years.

Rate fixed for 26 months then reverts to variable rate of 4.34%.

Call Virgin Money FREE on 0330 057 1528

Details sort by initial rateLenderInitial rate Rate type Overall cost for comparisonMax LTVProduct feeMonthly cost Enquire
Initial rate: 0.94%
Rate type: Fixed 24 months
Monthly cost: £561.24 per month
Max LTV: 60%
Product fee: £999
Overall cost for comparison: 3.3% APRC
Nationwide BS logo 0.94% Fixed 24 months 3.3% APRC 60% £999 £561.24 per month get quotes Call us0117 403 4474 More details Broker Only Deal
Initial rate: 0.95%
Rate type: Fixed 26 months
Monthly cost: £561.92 per month
Max LTV: 60%
Product fee: £1,499
Overall cost for comparison: 3.9% APRC
Platform logo 0.95% Fixed 26 months 3.9% APRC 60% £1,499 £250 cashback £561.92 per month get quotes Call us0117 403 4474 More details
Initial rate: 0.98%
Rate type: Fixed 26 months
Monthly cost: £563.95 per month
Max LTV: 60%
Product fee: £1,999
Overall cost for comparison: 3.7% APRC
Cumberland BS logo 0.98% Fixed 26 months 3.7% APRC 60% £1,999 £563.95 per month get quotes Call us0117 403 4474
Initial rate: 0.98%
Rate type: Fixed 26 months
Monthly cost: £563.95 per month
Max LTV: 60%
Product fee: £1,999
Overall cost for comparison: 3.7% APRC
Cumberland BS logo 0.98% Fixed 26 months 3.7% APRC 60% £1,999 £563.95 per month get quotes Call us0117 403 4474
Initial rate: 0.99%
Rate type: Fixed 24 months
Monthly cost: £564.63 per month
Max LTV: 60%
Product fee: £995
Overall cost for comparison: 3.9% APRC
Progressive BS logo 0.99% Fixed 24 months 3.9% APRC 60% £995 £564.63 per month get quotes Call us0117 403 4474 More details Broker Only Deal
Initial rate: 1.00%
Rate type: Fixed 27 months
Monthly cost: £565.31 per month
Max LTV: 70%
Product fee: £999
Overall cost for comparison: 3.0% APRC
Santander logo 1.00% Fixed 27 months 3.0% APRC 70% £999 £565.31 per month get quotes Call us0117 403 4474 More details
Initial rate: 1.00%
Rate type: Fixed 27 months
Monthly cost: £565.31 per month
Max LTV: 70%
Product fee: £999
Overall cost for comparison: 3.0% APRC
Santander logo 1.00% Fixed 27 months 3.0% APRC 70% £999 £565.31 per month get quotes Call us0117 403 4474 More details Broker Only Deal
Initial rate: 1.02%
Rate type: Fixed 26 months
Monthly cost: £566.67 per month
Max LTV: 60%
Product fee: £995
Overall cost for comparison: 3.9% APRC
Skipton BS logo 1.02% Fixed 26 months 3.9% APRC 60% £995 £566.67 per month get quotes Call us0117 403 4474 More details Broker Only Deal
Initial rate: 1.05%
Rate type: Fixed 27 months
Monthly cost: £568.71 per month
Max LTV: 65%
Product fee: £999
Overall cost for comparison: 4.3% APRC
Leeds BS logo 1.05% Fixed 27 months 4.3% APRC 65% £999 £568.71 per month get quotes Call us0117 403 4474 More details Broker Only Deal
Initial rate: 1.05%
Rate type: Fixed 26 months
Monthly cost: £568.71 per month
Max LTV: 60%
Product fee: £999
Overall cost for comparison: 3.9% APRC
Platform logo 1.05% Fixed 26 months 3.9% APRC 60% £999 £250 cashback £568.71 per month get quotes Call us0117 403 4474 More details
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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 0117 313 7780 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?

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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 lender 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 313 7780 from the UK or +44 117 313 7780 if calling from abroad.

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Call +44 117 313 7780 or Request Callback for our Expat Mortgage Service

For a FREE initial conversation about your mortgage options complete our short enquiry form.

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