Expat residential mortgages and remortgages

The amount you can borrow is usually up to 85% of the property's value, so you'll need a 15% deposit.

The lender won’t lend you more than they feel you can afford.  It’s based on how much you earn, any commitments you have, such as loans or other mortgages, and how large a deposit you can afford to put down.

As a general rule, if you’re buying on your own you should be able to borrow up to four and a half times your income.  If you’re buying with someone else you can usually borrow up to three and a half times your total incomes combined.

The amount you can borrow will differ from lender to lender and what they include as your income will vary.

Expat buy to let mortgages

You can usually borrow up to 75% of the property’s value, which means you'll need to pay at least a 25% deposit for the buy to let part.

The lender will take into account the property’s value, the amount of rental income you can get for it and how much deposit you put down.

Please contact us to find out how much you can borrow.