Expat Mortgages

Established UK Expat Mortgage Broker. All Mortgages Are Secured on Residential, Buy to Let or Commercial Property in the United Kingdom. Minimum Loan Size £250,000.

Pattaya, Thailand

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Fox Davidson: UK Expat Mortgage Broker.

Fox Davidson are an Independent UK Expat Mortgage Broker with offices in Bristol, Bath & London.

We secure all types of mortgage for British expatriates living across the globe including residential, Buy-to-Let & Commercial Mortgages.

Why use a UK Expat Mortgage Broker?

As an independent UK Expat Mortgage Broker, we have access to all UK Expat Mortgage Lenders. We will complete all work on your behalf and secure the best possible terms for your situation.

We secure UK Expat mortgages on Residential, Buy to Let and Commercial property in the United Kingdom.

Fox Davidson have built very strong links with Private Banks, High Street Banks, Building Societies and Broker only lenders who will all lend to British expatriates that wish to mortgage a property in the United Kingdom.

The mortgage market for expats is always changing and through our established lending sources we can offer market leading mortgage rates for clients wishing to purchase a property in the UK either as a main residence, as a second home or for Buy to Let investment purposes.

Fox Davidson work hard to stay ahead of the game, continually meeting with Banks, Building Societies and Broker only lenders to ensure we have one of the most comprehensive mortgage offerings for any British expat wishing to finance a property in the UK.

What are the terms for a UK Expat Mortgage on UK property?

  • Finance is possible up to 90% loan to value
  • Repayment options of Interest only or capital and interest
  • Income from both employed and self-employed sources
  • Buy-to-let based on rent and/or personal income

The Complete Mortgage Solution

Sourcing a mortgage from one of the most competitive lending markets in the world is difficult enough, let alone when you are resident in a country hundreds of miles away from the UK with only a phone and the internet at your disposal.

We appreciate how hard it can be to find the right mortgage lender for your situation and so we have put together a solution that ensures that every situation is catered for.

The Process:

  • From the initial mortgage enquiry, we will discuss your current situation with regards to income, expenditure, assets and liabilities. We establish what it is you wish to achieve and look at how we can help you achieve it.
  • Once we have completed our Fact Find your experienced mortgage broker will approach the mortgage market
  • Your expat mortgage broker will present you with the most appropriate terms for your situation.
  • On receipt of documentation we will apply for the loan and a designated administrator will regularly update you. We will process the transaction through to completion.

Our service doesn’t end there as prior to your mortgage rate coming to an end we will proactively contact you to look at your options for refinancing.

British Expat Commercial Mortgages on UK Property.

As accredited members of the NACFB we have combined our expertise in the international mortgage market with our commercial finance experience to offer clients, living in countries such as China, Singapore, Hong Kong, USA and Europe, market leading commercial terms on all types of commercial property.

Whatever your commercial mortgage requirements are we will do all we can to find a way to make the deal work.

To make the process as smooth as possible Fox Davidson are able to instruct UK solicitors. We are also able to recommend family offices for those that require a bespoke service including UK property finders. 

Mortgage Case Studies:

Residential mortgage in the UK for Singapore resident, British expat:

Our client was an expat living in Singapore. He approached Fox Davidson looking to finance a new family home in the UK.

He left the UK to work in Singapore in 2010, he has a family there and rents a property. He approached Fox Davidson looking for a Mortgage Broker who could secure a mortgage on a property in London as he intended to return to the UK in the next 12 months.

With a deposit of £450,000 Fox Davidson were able to use his current income in Singapore to secure a mortgage of £700,000 over a 25-year term on a fixed rate for 5 years at 2.7%.

The lender offered market leading terms and on the basis that our client could rent out the property until he returned to the United Kingdom.

London Buy-to-Let for Dubai resident.

Our clients were British Expats living in Dubai. They approached Fox Davidson wishing to finance a property in London that consisted of 3 flats under one freehold. They needed a £2.1m Buy to let financing to purchase the London property and wanted to do so on an interest only basis. They already had 2 other Buy to let properties in Britain which made the lending decision easier.

Fox Davidson were able to secure funding of £2.1 Million on an interest only basis at a competitive 2-year fixed rate. The loan was secured on the freehold.

As an independent UK expat mortgage broker, we deal with many situations like those above and as a leading large loan expat mortgage broker in the UK we can secure excellent terms for clients across the world wishing to invest in the UK property market.

Commercial mortgages are not regulated by the FCA.

Contact us to find out how we can help you fund UK property.

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