| OFFSHORE MORTGAGES are available to UK | | | | mortgages are also available to Offshore Companies |
| Expatriates or Foreign Nationals who wish to purchase | | | | and Trusts. |
| or remortgage a UK PROPERTY whether for their | | | | INTERNATIONAL MORTGAGES are available across |
| own occupation or for investment purposes,or indeed, | | | | a wide range of countries and currencies and this |
| if they merely wish to release equity they already | | | | service is principally designed for a person of any |
| have in a UK property. | | | | nationality planning to purchase or remortgage |
| Potential applicants are: | | | | properties OUTSIDE of their COUNTRY of |
| - Foreign Nationals (non UK domicile) working or | | | | RESIDENCE. |
| residing in the UK or overseas | | | | International Mortgages can be arranged for: |
| - UK Expatriates working or residing overseas | | | | - holiday homes |
| - UK Nationals, working or residing in the UK, intending | | | | - investment properties |
| to move abroad within the next 12 months or they | | | | - 'buy-to-let' properties |
| have significant assets/income in a foreign currency | | | | - mortgage switching and equity release |
| Examples of potential clients' profiles are: | | | | Mortgages can be arranged in 10 different currencies, |
| - Client is looking to move abroad to live or work | | | | however, the currency must be the same as your |
| - Client qualifies for NOR (Not Ordinarily Resident) | | | | main income or the local currency of the property |
| status for UK tax purposes | | | | location. |
| - Client uses a non-UK passport as ID or has an | | | | The World is getting 'smaller' and, as a result, more and |
| overseas address | | | | more people of all nationalities are buying properties in |
| - Client receives a significant proportion of income in a | | | | a country other than the one in which they are |
| foreign currency | | | | currently living. |
| - Client's income or bonus is paid offshore | | | | As should always be the case, do not let the heart rule |
| - Client has overseas connections i.e. offshore | | | | the head. Don't be less vigilant and less attentive than |
| companies, trusts, etc. | | | | when buying in one's own country. It is important that |
| - UK Expatriate clients looking to rent out property | | | | professional advice is sought and a good, independent |
| whilst working/living abroad | | | | specialist in the provision of offshore or international |
| - Client is an overseas investor wishing to purchase a | | | | mortgages should be a priority. |
| property for their child to live in e.g. whilst he/she is | | | | Your home may be repossessed if you do not keep |
| educated in the UK | | | | up repayments on your mortgage. Changes in the |
| Offshore Mortgages are available in a variety of | | | | exchange rate may increase the Sterling equivalent of |
| currencies including Sterling, Euro, US Dollar, Hong Kong | | | | your debt. |
| Dollar, Swiss Franc and Japanese Yen. Offshore | | | | |