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Financial Advice

International Mortgages

The moment you step off the plane and begin your life as an international worker, UK mortgages instantly become more complicated.And for that reason, many expats find themselves overpaying on their mortgages back home.

However, our team of international mortgage experts are on hand to cut through all the red tape and get the facts on what options are available to help find the right deal for you.

A mortgage is often the biggest financial commitment you will make in your lifetime. Yet with hundreds of providers and numerous different types on the market, taking out a mortgage can become incredibly complicated.

Once we understand your circumstances, Skybound will search hundreds of options to find the most suitable mortgage for you and your individual requirements. Whether you are a first-time buyer, moving home or looking for a potential re-mortgage, we will provide you with the information on the best mortgages that are available to you.

All Types of Mortgages

Capital & Interest Mortgages

An arrangement where part of the monthly mortgage repayment is used to pay the interest and the remainder is used to reduce the original amount of the loan borrowed. In the early years of the mortgage, most of the monthly repayment goes towards paying the interest; in later years, the interest charges diminish and more of the repayment is available to reduce the loan amount.

Interest-Only Mortgages

All of the monthly repayment (which will be lower than a capital and interest repayment payment) is used to pay the interest on the loan and therefore the capital does not reduce.

Lenders may require evidence that a borrower will have in place a clear, credible repayment strategy and that the repayment strategy has the potential to repay the capital borrowed at the outset.

Remortgaging

Remortgaging is the process of switching your existing mortgage to another mortgage lender, usually to lower the amount you’re paying on your mortgage. You are not obliged to remain with your original lender for the full mortgage term, and often you can move to another lender to get a lower interest rate - you don’t have to be buying a new home. It is important however to note that you could be subject to early repayment charges by the existing lender.

Buy To Let Mortgage

A Buy to Let mortgage (BTL) is primarily used when looking to purchase a property with the purpose of renting it out for investment purposes. A BTL mortgage is assessed differently by the lenders to that of a standard residential mortgage, larger deposits are required, with the focus of the lender generally being on the rental value of the property. This being said, the applicant’s income levels and tax rate band will also be considered by most lenders. The Buy to Let market is increasingly complex with regulatory changes and different lending criteria between providers.

How Can Skybound Help You?

Whether you are looking for a quote or simply an idea as to what you can borrow, we are on hand to guide you through your options.

Talk To An Adviser

You can reach us directly by calling us between the hours of 8:30am and 5pm at each of our respective offices and we will immediately assist you.

Request A Call Back

By completing this form, you are consenting to receive telephone communication from Skybound Wealth Management, in accordance with our Privacy Policy.
Thank you!
Your call back request has been received and we will arrange for a member of our team to call you at your desired time.
Oops! Something went wrong while submitting the form