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Expat Mortgages
Whilst you may no longer reside in the UK, you may still have a mortgage and other obligations. If you are reading this, you are probably finding dealing with your current lender or current account provider difficult - but don't worry, Woodason Financial Services are experts in helping expatriates like yourself.
Who is classed as an expat?
Generally speaking, an expat is a UK citizen who resides in a country outside of the UK.
Depending on the country you reside, or recently resided in, and your goals you may find it difficult getting a UK mortgage due to the perceived higher risk you pose as a borrower.
An expat mortgage is a particular type of mortgage that allows you as an expat, or recent returnee, to purchase a property in the UK. This can be either as a residential mortgage for you to live in, or as a buy to let if you intend to rent the property out.
Let us guide you through the process
So the big question - Can expats get a UK mortgage? The answer is - yes!
As an expat you have probably already found out that obtaining a mortgage on a UK property is not as straightforward as you would hope, and your options are much more limited than as a UK resident. As an expat you will probably encounter more financial checks, scrutiny, and time consuming paperwork.
Here at Woodason Financial Services we will look into your individual circumstances, including income, employment, deposit, and specific requirements based on your country of residence. We will also look at your UK and country of residence credit rating, which while it is not necessarily essential, it will help you to secure the best deal.
Better yet, we do it without charging any broker fees.
Online mortgage calculators will not have the insight or knowledge that a mortgage adviser will - least of all one who has previously been an expat themselves. Speak to an adviser today and ensure you are getting the right mortgage for your needs, and that you understand not just the benefits but also the risks involved, and how best to protect yourself against them.
At Woodason Financial Services we have in-depth knowledge of what is possible with each lender, including specific niche circumstances. For example, we could:
• Help you borrow up to 95% net of the price of the property
• Help you buy the property with a company
• Help you buy a property to rent out and retain your status as a First Time Buyer
• Help you buy your first buy to let with no prior experience as a landlord
• Help you invest in UK property whilst abroad
• ...and many more!
Contact us today and find out how Woodason Financial Services can help you, completely for free.
Frequently Asked Questions
We understand you will have many questions. We have answered the most common ones below, but please do not hesitate to contact us at any time to discuss your particular requirements.
What makes Woodason Financial Services different from other mortgage brokers?
Woodason Financial Services specialises in helping individuals, business owners, and investors with unique circumstances secure mortgages. Unlike many other brokers and lenders, we will never refuse to take on a case. Our general expertise and knowledge in these niche areas allows us to provide tailored solutions that other brokers might not offer.
How can Woodason Financial Services assist me?
Woodason Financial Services can assist you by understanding the specifics of your particular situation and working with lenders who are more flexible and experienced with your specific needs. We offer personalised advice, help you gather the necessary documentation, and guide you through the entire mortgage application process, making it less stressful and more manageable.
What types of mortgages can Woodason Financial Services help with?
Woodason Financial Services can assist with a variety of mortgage needs including purchasing a new property, refinancing an existing mortgage, or investing in property. Our goal is to find the best mortgage solutions that fit your specific circumstances and financial objectives.
What documentation will I need to provide?
Typically, you will need to provide documentation of your bank statements, proof of identity, and proof of income. Woodason Financial Services will guide you through the exact requirements based on your situation and ensure you have everything needed for a successful application.
How do I get started with Woodason Financial Services?
Getting started is easy. Simply contact us to schedule a consultation. We’ll discuss your specific needs, assess your financial situation, and outline how we can help you achieve your mortgage goals.
What particular "difficult" mortgages do you specialise in?
Woodason Financial Services specialises in all tricky circumstances. Particular highlights include:
• 5% deposit mortgages for clients in the UK on a visa
• Day 1 mortgages for clients moving to the UK on a visa
• Bad credit mortgages, including clients facing receivership or bankruptcy
• Helping foreign nationals who have never been to the UK invest in UK property with a mortgage
• ...and many more!
No matter how impossible you think it is - please contact us today, completely free, for our help and advice.
Our guides
Buying UK Property On A Visa
Our brochure will help you arrange finance without being distracted from your life. We are experts in helping clients in the UK on a visa buy property in the UK, whether you intend to live in it, or as an investment. Download it below, completely free.
Buying Your First Home Guide
This guide is a must-have for those who have not bought their own home. It explains and breaks down in plain English the steps needed to get a mortgage to buy your first home. Best of all, you can get it now for free by clicking below.
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IMPORTANT INFORMATION
Think carefully before securing other debts against your home. Your mortgage is secured on your home, which you could lose if you do not keep up your mortgage repayments.
We may charge a fee for mortgage advice in exceptional circumstances. The amount we charge will be confirmed before any charge is incurred. Please refer to the Terms of Business or contact us for further information.
woodason.co.uk is a trading name of Thanet Mortgages Limited which is authorised and regulated by the Financial Conduct Authority. Your home may be repossessed if you do not keep up repayments on a mortgage or other loan secured on it. Think carefully before securing other debts against your home. Not all forms of bridging finance, secured loans, buy to let and commercial mortgages are regulated by the Financial Conduct Authority.
Woodason Financial Services Limited is never directly compensated to provide opinions on products, services, websites, and various other topics. The views and opinions expressed on this website are purely those of the authors. If we claim or appear to be experts on a certain topic or product or service area, we will only endorse products or services that we believe, based on our expertise, are worthy of such endorsement. Any product claim, statistic, quote or other representation about a product or service should be verified with the manufacturer or provider.
This site does not contain any content which might present a conflict of interest. Woodason Financial Services Limited makes no representations, warranties, or assurances as to the accuracy, currency or completeness of the content contain on this website or any sites linked to or from this site.
Registered in England & Wales under company no: 15330673.
Registered address: 76 High Street, Brierley Hill, West Midlands, United Kingdom, DY5 3AW.
YOUR HOME OR PROPERTY IS AT RISK IF YOU ARE UNABLE TO MAINTAIN PAYMENTS ON ANY MORTGAGE OR LOAN SECURED AGAINST IT.
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