10 Tips for First Timers
Buying a home is the biggest financial commitment you will ever make. Sadly, most first time buyers don’t know where to start when considering
their first mortgage.
This is where we believe we can help. We are dedicated to helping First Time Buyers, by explaining step by step exactly what you need to know,
before you choose your first mortgage.
We’re here to guide you and answer any questions you might have. As a starting point, use this article as a guide. It contains 10 critical
things we believe you must know before you choose your first mortgage.
If, at any time, you have any concerns or questions, please feel free to contact us immediately. We’re here to help you!
Email:
propertyportal@pinkdotmortgages.co.uk
Factsheets
If this article helps you, download it from our documents library and forward it to family and friends.
Available factsheets:
Top Tips
1. Don’t just dive in
Take your time to understand how mortgages work and consider all of your options. Just taking the time to read this article should significantly improve your knowledge and help you on your way.
2. Understand what type of mortgage you want
There are two types of mortgages;
Repayment mortgage - first of all, you choose over how many years you would like to repay your mortgage. Most people choose to repay their first mortgage over a 25 year term. However, 30 year or even 35 year mortgages are becoming more popular. Your monthly repayments are made up of the interest charged and a portion of the capital to repay the mortgage itself. Over your chosen term, you gradually pay off the entire amount borrowed. Providing you maintain your repayments correctly you can see your loan getting smaller and you will repay your mortgage at the end of the chosen term.
Health Warning! – the longer your term, the more interest you pay. In the early years, your payments will be mainly interest so, if you want to repay the mortgage or move house in the early years, you'll find that the amount you owe won't have gone down by very much.
Interest only mortgage - your monthly repayments consist of repaying the interest only (hence the name!). You do not repay the amount you borrowed and this remains a lump sum which is payable back to the Lender at a future date. Because you're only paying off the interest, and not the loan itself, your monthly payments will be lower. Generally, you also make payments into a separate savings plan, with the aim of this producing enough savings to repay the amount you borrowed, although this is not something that your chosen Lender will ask you do.
Health Warning! – with an interest only mortgage, you have no guarantee that your mortgage will be repaid when you want it to. It’s totally dependent on the returns of your saving plans. Play safe – our advice is where ever possible, opt for a repayment based mortgage (although there will always be some genuine exceptions).
3. Understand what type of interest rate schemes there are
There are a number of different schemes offered by lenders: You need to understand how each one works, before you are in a position to choose a scheme which is suitable for you.
Variable rate - your monthly payment fluctuates in line with the lenders standard variable mortgage rate.
Tracker rate – your monthly payment fluctuates, usually, in line with the Bank of England Base Rate, often referred to as a "Base Rate
Tracker".
Discounted - the Lender offers an initial discount, usually against their normal standard variable rate for a given period. Your monthly payment fluctuates in line with the lenders standard variable mortgage rate, but at the agreed discount. At the end of the discount period, the interest rate usually reverts to the lenders standard variable rate.
Fixed rate - your monthly payment is fixed over an agreed period and will remain the same regardless of whether interest rates rise or fall. At the end of the fixed rate term the interest rate usually reverts to the lenders standard variable rate.
Capped - the interest rate is guaranteed not to go above a certain level throughout the given capped rate period, but you will benefit from any reduction in interest rates. Your monthly repayment cannot therefore go above the “capped” level.
Flexible mortgages - these schemes allow you to overpay, underpay or even take a payment holiday. Any unpaid interest as a result of an underpayment or payment holiday will be added to the outstanding mortgage. Any overpayment will reduce the outstanding mortgage. Some have the facility to rawdown additional funds to a pre agreed limit.
Offset Mortgages – these schemes allow you to link your current, savings or deposit accounts to the mortgage, so that the positive account balances are offset against the mortgage resulting in a reduced interest payment.
Cashback - some lenders offer a cashback payment on completion of the mortgage. In some cases, if the mortgage is paid back early, a proportion of this may have to be repaid to the lender.
4. Choosing the right mortgage scheme
As you have just seen there are a number of different rates to choose from. The key thing to remember is that a “fixed rate” is the only way of knowing exactly what your repayments are going to be over a given period of time. With any other type, your monthly repayments will go up and down as interest rates change.
5. Choosing the right mortgage scheme period
Mortgage schemes run for a specific period and have nothing to do with the actual term over which you have chosen to repay your mortgage. You can choose a 1 year deal, 2 year, 5 year (etc). It’s all a matter of getting the right balance and one that suits you.
Health Warning! - Be very careful! Always check whether the scheme you are considering has any early repayment charges. If you wanted/needed to change your mortgage within the scheme period, this is a fee you would have to pay to buy yourself out of your chosen scheme. In some cases this can be a significant amount, linked to the amount that you borrow.
6. Don’t forget the costs and fees you’ll incur in buying your first home
When you buy your first home, you’re going to incur a number of different fees. Always make sure you get written quotations before committing to anything.
Valuation fee – There are three types of valuation. The fee must normally be enclosed with your application. The type of valuation you
choose will depend on the age and condition of the property. Each is more expensive than the previous.
Basic mortgage valuation - This is for the lender's own purpose. They will appoint a surveyor and the fee you pay will be based on a sliding property valuation scale.
Homebuyer report - This provides you with information in a standard format. The report will include comments on the state of repair and condition of the property along with any general defects.
Full structural survey - This provides you with a structural report based on a detailed examination of the property. Any areas of concern that you might have about the property will be investigated.
Arrangement/Booking Fee – this is a fee payable to the Lender. Where applicable, this will be payable either in advance (with the valuation fee) or added to your mortgage balance on completion of the mortgage. If the fee is added to the loan, you will pay interest on it, over the mortgage term. The fee will be specified in your mortgage quotation.
Legal costs and fees – you’ll need to appoint a solicitor (or conveyancer) to act on your behalf. Always check to ensure that the fee they quote you includes the fees to cover the transfer of ownership of land, the costs of legal registrations and miscellaneous costs (known as disbursements).
Stamp Duty Costs – Stamp duty is a 'purchase tax' and is generally payable where the purchase price of the property is more than £125,000. The current charge is 1% of the purchase price of the property. This increases to 3% if the price is more than £250,000 and to 4% if the price exceeds £500,000.
First Time Buyers are currently except from paying stamp duty on purchases up to £250,000. This, however, is currently a temporary measure and only applies on purchase between 25 March 2010 to 24 March 2012 inclusive.
Higher Lending Charge - This is sometimes required where you have a low deposit towards the property. It is an insurance policy that the Lender asks you to pay (one single payment), but is used to protect them against a loss should the property have to be repossessed and subsequently sold (this would happen if you did not keep up your mortgage payments). Should a loss be incurred on repossession, you (the borrower) would remain responsible for the shortfall, even though they may have paid the insurance premium. The cost of the insurance can usually be added to the value of the mortgage you are applying for.
Buildings and contents insurance - All lenders require that you fully insure the property for the total cost or rebuilding of it. It is also strongly recommended that you take out contents insurance. It is your responsibility to ensure that you have adequate cover.
Mortgage protection - It is recommended that you protect your mortgage and associated payments in the event of death, being unable to work as a result of an accident, disability, sickness or unemployment. It is your responsibility to ensure that you are able to meet your mortgage payments when they fall due and you should therefore consider whether you would be in a position to do so, in the event of the above mentioned events.
7. How much can you borrow?
There are a whole host of ways in which Lenders now assess how much they will lend you. The main factors being, your annual income (less any regular commitments you already have, such as credit cards, loans), whether you have a good credit rating, size of your deposit.
Whilst it is sometimes possible to achieve 4 or even 5 times your income, you must remember one very important point; - what you can borrow is sometimes a lot more than you can actually afford.
8. A deposit always helps!
Put simply, the bigger the deposit, the better the deals you’ll get. To access the mortgage markets you will need a minimum deposit of 10%.
9. How to save on costs and fees!
First Time Buyer incentive packages – many Lenders will offer these and typically you could save on the need to pay for a valuation fee or higher lending charge insurance premium.
10. How long does it take to organise a mortgage?
The arranging of a mortgage typically takes 2 to 3 weeks. However don’t confuse this with the time it takes to get hold of the keys to the property and the date you can move in. This very much depends on the number of people in the property chain. Your Solicitor and Estate Agent will be able to guide you as to the length of time it will take.
When its time to organise your next mortgage
Email: propertyportal@pinkdotmortgages.co.uk
Important info: The explanations contained in this article are the most commonly understood and are only a brief summary. Various Lenders can impose different meanings and apply various conditions. If you choose Pink Dot Mortgages to act as your mortgage broker, we will undertake a full appraisal of your needs and financial circumstances and match these with the appropriate Lenders, before making any personal recommendations as to the schemes available and suitable for you. As such, none of the above explanations are intended as advice.
This article is provided by PropertyPortal.com Ltd in collaboration with Pink Dot Mortgages Ltd. Pink Dot Mortgages is authorised and regulated by the Financial Services Authority (no. 465258). Not all services are regulated. Registered company no: 6132484 – Swatton Barn, Badbury, Wilts, SN4 0EU, registered in England & Wales. Your home may be repossessed if you do not keep up repayments on your mortgage.
© 2012-Pink Dot Mortgages Ltd
10 Tips for Remortgaging
There are many factors to consider when re-mortgaging. Failing to think ahead or research the mortgage markets correctly means that many individuals get it wrong!
This is where we believe we can help. We are dedicated to helping individuals who are looking to re-mortgage their own property, by explaining step by step, exactly what you need to know before you re-mortgage.
We’re here to guide you and answer any questions you might have. As a starting point, use this article as a guide. It contains 10 critical things we believe you must know, before you re-mortgage.
If at any time, you have any concerns or questions, please feel free to contact us immediately. We’re here to help you!
Email: propertyportal@pinkdotmortgages.co.uk
Factsheets
If this article helps you, download it from our documents library and forward it to family and friends.
Available factsheets:
Top Tips
1. Don’t just dive in!
The cheapest re-mortgage rates aren’t always the best deals. Look at the small print!
2. Understand why are you re-mortgaging
This question isn’t as daft as it may sound! When re-mortgaging you need to think ahead, as this will dictate the type of scheme you are looking for. For many people it’s not just about reducing their monthly repayments now.
The key question to ask yourself is, “how much flexibility will I need going forward?” Then take heed from tip number 3.
3. Beware of early repayment charges!
If you haven’t really stopped to consider tip 2, you’re likely to come unstuck here, as many people do!
If you’re considering a discounted, tracker or fixed rate, it’s common that these schemes will lock you in for the duration of the scheme period (2 years, 5 years etc). As we’ve already said, consider how much flexibility you’ll need!
If you do opt for a scheme that locks you in, check whether:
- you have the flexibility to make overpayments (there is no common rule, Lenders act differently)
- the mortgage comes with a “portability” option. ie, if you decide to move within the scheme period, you can take your current mortgage with you.
Avoid schemes which lock you in beyond the scheme period. These are known as “overhang periods” (for example; 2 year fixed rate with a 3 year tie in, meaning you have no option but to pay the Lenders Standard Variable Rate in year 3; this could be high!).
4. Repayment Methods
If you have an interest only mortgage, should you be considering switching to a repayment based mortgage? At the very least, get some quotes and compare your options.
Health Warning! – with an interest only mortgage, you have no guarantee that your mortgage will be repaid when you want it to! It’s totally dependent on the returns of your saving plans. Play safe – our advice is where ever possible, opt for a repayment based mortgage (although there will always be some genuine exceptions!).
5. Mortgage Term
A re-mortgage doesn’t have to be like for like. Consider the outstanding term of your mortgage! Can you afford to reduce it (even by one year!).
6. Understand what type of interest rate scheme you want
As you can see, there are a number to choose from! The key thing to remember is that a “fixed rate” is the only way of knowing exactly what your repayments will be over your chosen term. With any other your monthly repayments will go up and down as interest rates change.
Variable rate - your monthly payment fluctuates in line with the lenders standard variable mortgage rate. This can cause budgeting problems in times of increasing interest rates.
Tracker rate – your monthly payment fluctuates in line with the Bank of England Base Rate, often referred to as a "Base Rate Tracker".
Discounted - the Lender offers an initial discount on their normal standard variable rate for a given period. Your monthly payment fluctuates in line with the lenders standard variable mortgage rate but at the agreed discount. At the end of the discount period, the interest rate usually reverts to the lenders standard variable rate.
Fixed rate - your monthly payment is fixed over an agreed period and will remain the same regardless of whether interest rates rise or fall. At the end of the fixed rate term the interest rate usually reverts to the lenders standard variable rate.
Capped - the interest rate is guaranteed not to go above a certain level throughout the capped rate period, which can be from one to ten years, but you will benefit from any reduction in interest rates. Your monthly payment cannot therefore go above the “capped” level.
Flexible mortgages - these schemes allow you to overpay, underpay or even take a payment holiday. Any unpaid interest as a result of an underpayment or payment holiday will be added to the outstanding mortgage. Any overpayment will reduce the outstanding mortgage. Some have the facility to drawdown additional funds to a pre agreed limit.
Offset Mortgages – these schemes allow you to link your current, savings or deposit accounts to the mortgage, so that the positive account balances are offset against the mortgage resulting in a reduced interest payment.
Cashback - some lenders offer a cashback payment on completion of the mortgage. In some cases, if the mortgage is paid back early, a proportion of this, may have to be repaid to the lender.
7. Choosing the right mortgage scheme
As you have just seen there are a number of different rates to choose from. The key thing to remember is that a “fixed rate”, is the only way of knowing exactly what your repayments are going to be over a given period of time. With any other type, your monthly repayments will go up and down as interest rates change. Think about what you will be able to afford.
8. Costs and fees you’ll incur
Most Lenders offer re-mortgage incentives. They want your business! Generally, the incentives cover the cost of a property revaluation and standard legal fees.
In order to secure the deal you want, you will generally have to pay a one off arrangement fee/booking fee to the Lender. This fee can sometimes be added to the mortgage itself so that, upfront, there is no cost.
Health Warning! – if you add fees to the mortgage you will pay interest on it.
9. How much can you borrow?
There are a whole host of ways in which Lenders now assess how much they will lend you. The main factors being, your annual income (less any regular commitments you already have, such as credit cards, loans), whether you have a good credit rating, size of your deposit.
Whilst it is sometimes possible to achieve 4 or even 5 times your income, you must remember one very important point;
- what you can borrow is sometimes a lot more than you can actually afford!
10. How long does it take to organise a re-mortgage?
To switch from one lender to another typically takes between 4 and 6 weeks.
When its time to organise your next mortgage
Email: propertyportal@pinkdotmortgages.co.uk
Important info: The explanations contained in this article are the most commonly understood and are only a brief summary. Various Lenders can impose different meanings and apply various conditions. If you choose Pink Dot Mortgages to act as your mortgage broker, we will undertake a full appraisal of your needs and financial circumstances and match these with the appropriate Lenders, before making any personal recommendations as to the schemes available and suitable for you. As such, none of the above explanations are intended as advice.
This article is provided by PropertyPortal.com Ltd in collaboration with Pink Dot Mortgages Ltd. Pink Dot Mortgages is authorised and regulated by the Financial Services Authority (no. 465258). Not all services are regulated. Registered company no: 6132484 – Swatton Barn, Badbury, Wilts, SN4 0EU, registered in England & Wales. Your home may be repossessed if you do not keep up repayments on your mortgage.
© 2012-Pink Dot Mortgages Ltd
10 Tips for Home Movers
There are many factors to consider when planning your next mortgage. Failing to think ahead or research the mortgage markets correctly means that many individuals get it wrong!
This is where we believe we can help. We are dedicated to helping people looking to move home by explaining, step by step, exactly what you need to know before choosing your next mortgage.
We’re here to guide you and answer any questions you might have. As a starting point, use this article as a guide. It contains 10 critical things we believe you must know before you select your next mortgage.
If at any time you have any concerns or questions, please feel free to contact us.
Email: propertyportal@pinkdotmortgages.co.uk
Factsheets
If this article helps you, download it from our documents library and forward it to family and friends.
Available factsheets:
Top Tips
1. Don’t just dive in
The cheapest mortgage rates aren’t always the best deals. Look at the small print!
2. Understand what you need
This question isn’t as daft as it may sound! You need to think ahead, as this will dictate the type of scheme you are looking for. For many people it’s not just about their monthly repayments now. The key question to ask yourself is, “how much flexibility will I need?”. Then take heed from tip number 3.
3. Beware of early repayment charges
If you haven’t really stopped to consider tip 2, you’re likely to come unstuck here, as many people do!
If you’re considering a discounted, tracker or fixed rate, it’s common that these schemes will lock you in for the duration of the scheme period (2 years, 5 years etc). As we’ve already said, consider how much flexibility you’ll need!
If you do opt for a scheme that locks you in, check whether:
- you have the flexibility to make overpayments (there is no common rule, lenders act differently).
- the mortgage comes with a “portability” option. ie, if you move within the scheme period, you can take your current mortgage with you (just in case you move again soon – some people do!).
Avoid schemes which lock you in beyond the scheme period. These are known as “overhang periods” (for example; 2 year fixed rate with a 3 year tie in, meaning you have no option but to pay the Lenders Standard Variable Rate in year 3; this could be high!).
4. Repayment Methods
If you have an interest only mortgage, should you be considering switching to a repayment based mortgage? At the very least, get some quotes and compare your options.
Health Warning!! – with an interest only mortgage, you have no guarantee that your mortgage will be repaid when you want it to! It’s totally dependent on the returns of your saving plans. Play safe – our advice is where ever possible, opt for a repayment based mortgage (although there will always be some genuine exceptions!).
5. Mortgage Term?
Your new mortgage doesn’t have to be like for like. Consider the outstanding term. Do you need to increase it (especially if you’re taking on a bigger mortgage) or can you afford to reduce it (even by one year!).
6. Understand what type of interest rate scheme you want
As you can see, there are a number to choose from. The key thing to remember is that a “fixed rate” is the only way of knowing exactly what your repayments will be over your chosen term. With any other, your monthly repayments will go up and down as interest rates change.
Variable rate - your monthly payment fluctuates in line with the lenders standard variable mortgage rate. This can cause budgeting problems in times of increasing interest rates.
Tracker rate - your monthly payment fluctuates in line with the Bank of England Base Rate, often referred to as a "Base Rate Tracker".
Discounted - the Lender offers an initial discount on their normal standard variable rate for a given period. Your monthly payment fluctuates in line with the lenders standard variable mortgage rate but at the agreed discount. At the end of the discount period, the interest rate usually reverts to the lenders standard variable rate.
Fixed rate - your monthly payment is fixed over an agreed period and will remain the same regardless of whether interest rates rise or fall. At the end of the fixed rate term the interest rate usually reverts to the lenders standard variable rate.
Capped - the interest rate is guaranteed not to go above a certain level throughout the given capped rate period, but you will benefit from any reduction in interest rates. Your monthly repayment cannot therefore go above the “capped” level.
Flexible mortgages - these schemes allow you to overpay, underpay or even take a payment holiday. Any unpaid interest as a result of an underpayment or payment holiday will be added to the outstanding mortgage. Any overpayment will reduce the outstanding mortgage. Some have the facility to drawdown additional funds to a pre agreed limit.
Offset Mortgages – these schemes allow you to link your current, savings or deposit accounts to the mortgage, so that the positive account balances are offset against the mortgage resulting in a reduced interest payment.
Cashback - some lenders offer a cashback payment on completion of the mortgage. In some cases, if the mortgage is paid back early, a proportion of this, may have to be repaid to the lender.
7. Choose the right mortgage scheme
As you have just seen there are a number of different rates to choose from. The key thing to remember is that a “fixed rate” is the only way of knowing exactly what your repayments are going to be over a given period of time. With any other type, your monthly repayments will go up and down as interest rates change. Think about what you will be able to afford.
8. Don’t forget the costs and fees you’ll incur in buying your next house
When you buy your next home, you’re going to incur a number of different fees. Always make sure you get written quotations before committing to anything.
Valuation fee – There are three types of valuation. The fee must normally be enclosed with your application. The type of valuation you choose will depend on the age and condition of the property.
Basic mortgage valuation - This is for the lender's own purpose. They will appoint a surveyor and the fee you pay will be based on a sliding property valuation scale.
Homebuyer report - This provides you with information in a standard format. The report will include comments on the state of repair and condition of the property along with general defects.
Full structural survey - This provides you with a structural report based on a detailed examination of the property. Any areas of concern that you might have about the property will be investigated.
Arrangement/Booking Fee – this is a fee payable to the Lender. Where applicable, this will be payable either in advance (with the valuation fee) or added to your mortgage balance on completion of the mortgage. The fee will be specified in your mortgage quotation.
Legal costs and fees – you’ll need to appoint a solicitor (or conveyancer) to act on your behalf. The fee they quote you will also include the fees to cover the transfer of ownership of land, the costs of legal registrations and miscellaneous costs (known as disbursements).
Stamp Duty Costs – Stamp duty is a 'purchase tax' and is generally payable where the purchase price of the property is more than £125,000. The current charge is 1% of the purchase price of the property. This increases to 3% if the price is more than £250,000 and to 4% if the price exceeds £500,000.
Higher Lending Charge - This is sometimes required where you have a low deposit towards the property. It is an insurance policy that the Lender asks you to pay (one single payment), but is used to protect them against a loss should the property have to be repossessed and subsequently sold (this would happen if you did not keep up your mortgage payments). Should a loss be incurred on repossession, you (the borrower) would remain responsible for the shortfall, even though they may have paid the insurance premium. The cost of the insurance can usually be added to the value of the mortgage you are applying for.
Buildings and contents insurance - All lenders require that you fully insure the property for the total cost or rebuilding of it. It is also strongly recommended that you take out contents insurance. It is your responsibility to ensure that you have adequate cover.
Mortgage protection - It is recommended that you protect your mortgage and associated payments in the event of death, being unable to work as a result of an accident, disability, sickness or unemployment. It is your responsibility to ensure that you have adequate cover.
9. How much can you borrow?
There are a whole host of ways in which Lenders now assess how much they will lend you. The main factors being, your annual income (less any regular commitments you already have, such as credit cards, loans), whether you have a good credit rating, size of your deposit. Whilst it is sometimes possible to achieve 4 or even 5 times your income, you must remember one very important point; - what you can borrow is sometimes a lot more than you can actually afford!
10. How long does it take to organise a new mortgage?
The arranging of a mortgage typically takes 2 to 3 weeks. However don’t confuse this with the time it takes to get hold of the keys to the property and the date you can move in. This very much depends on the number of people in the property chain. Your Solicitor and Estate Agent will be able to guide you as to the length of time it will take.
When its time to organise your next mortgage
Email: propertyportal@pinkdotmortgages.co.uk
Important info: The explanations contained in this article are the most commonly understood and are only a brief summary. Various Lenders can impose different meanings and apply various conditions. If you choose Pink Dot Mortgages to act as your mortgage broker, we will undertake a full appraisal of your needs and financial circumstances and match these with the appropriate Lenders, before making any personal recommendations as to the schemes available and suitable for you. As such, none of the above explanations are intended as advice.
This article is provided by PropertyPortal.com Ltd in collaboration with Pink Dot Mortgages Ltd. Pink Dot Mortgages is authorised and regulated by the Financial Services Authority (no. 465258). Not all services are regulated. Registered company no: 6132484 – Swatton Barn, Badbury, Wilts, SN4 0EU, registered in England & Wales. Your home may be repossessed if you do not keep up repayments on your mortgage.
© 2012-Pink Dot Mortgages Ltd
How we can help
When buying a property abroad it is important that you use an experienced, fully independent mortgage specialist, to ensure that you are getting both a professional service and access to the best mortgage deals available.
Even if you are at the start of the buying process and not yet found a property, we can help you identify how much you are able to borrow through our free mortgage pre-approval service. It has been set up to help you buy with confidence and put you in a stronger position when negotiating with developers and property agents.
Key benefits of our service include:
- Through our service you can secure a mortgage in more than 50 different countries throughout the world.
- Access over 600 mortgage products.
- We work closely with our mortgage providers and are able to offer our client’s access to exclusive mortgage deals.
We will provide you with:
- A free mortgage consultation with an adviser.
- A free mortgage pre-approval service, so you know whether you qualify for a particular mortgage before applying.
- Regular updates and the full support of our administration team throughout the mortgage process.
Some of the countries in which we can secure mortgages:
- ANDORRA, ANGUILLA, ANTIGUA, ARUBA, AUSTRALIA,
- BAHAMAS, BARBADOS, BONAIRE, BRITISH VIRGIN ISLANDS, BULGARIA,
- CANADA, CAPE VERDE, CARIBBEAN, CAYMAN ISLANDS, CHINA, CURACAO, CYPRUS, CZECH REPUBLIC ,
- DOMINICAN REPUBLIC, DUBAI,
- FRANCE,
- GIBRALTAR, GREECE,
- HONG KONG, HUNGARY,
- INDIA, ISRAEL, ITALY,
- JAMAICA,
- MALTA, MOROCCO,
- NEW ZEALAND,
- PANAMA, POLAND, PORTUGAL,
- ROMANIA,
- SINGAPORE, SLOVAKIA, SOUTH AFRICA, SPAIN, ST KITTS & NEVIS, ST LUCIA, ST MAARTEN, ST VINCENT, SWEDEN,
- TURKS AND CAICOS ISLANDS, TURKEY,
- UNITED KINGDOM & USA.
Contact us:
If you would like to understand more about the mortgage options available to you please feel free to contact us by telephone on 01865 989 001 and a member of our team will be happy to help you.
Alternatively, fill in our Overseas Mortgage enquiry form by clicking the link on this page
Get a mortgage quote now:
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- Commercial
- Overseas
Click one of the red buttons on the right if you wish to complete an online mortgage enquiry. One of our trained representatives will call you straight back and work with you to obtain the best possible deal.