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Mortgages for Expats

  • Employed or Self Employed
  • All Currencies Considered*
  • All Countries Considered including Qatar*
  • Residential & Buy to Let
  • Non UK Tax Payers
  • N Time Restriction Outside of UK/li>
  • No Credit Scoring
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Mortgages for Expats

We are aware of the clear challenges faced by expats when it comes to securing a competitive ex pat mortgage deal. Clients living abroad often tell us that they feel penalised because they are paid in a foreign currency, have usually been outside of the UK for a year or more and sometimes have issues with their UK credit score. The credit referencing data, from companies such as Experian and Equifax, is not easily updated when a borrower is outside the UK. This information, coupled with the fact that the vast majority of Banks now use automated credit scoring, causes significant problems.

We successfully arrange mortgages for UK expats living abroad and offer both homeowner loans to either purchase or re-mortgage houses or flats. We successfully organise finance on residential properties and mortgages for investment purchases, through our Buy To Let schemes.

The exact amount of the mortgage and interest rate will very much depend on a number of factors, including the country in which you reside, the loan to value of the property, the equity you will put down as a deposit on a purchase, or the equity you have in the property, if you are re-mortgaging. We will also need to consider your income details to ensure affordability.

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Once we have discussed your requirements, we will be able to advise on the most competitive interest rate, type of mortgage and term, to ensure the loan remains affordable for the duration of the mortgage term.

The level of finance available and the monthly repayment costs will be provided to you in a detailed illustration and this breaks down all the costs applicable, allowing you to make an informed financial decision.

Our expat consultants will guide you through the whole process, including the collation of the financial paperwork, the mortgage application form and will organise the valuation of the property on your behalf.  The mortgage lender will then issue a mortgage offer and will look to secure the property by way of a lien, this is a first legal charge against the property. As part of the transaction, if you require, you can use your own lawyers, or we can put you in contact with conveyancing solicitors who can assist on all legal matters.

Our trained consultants will help simplify the process for you. Call us or complete our online enquiry form if you would like to discuss your requirements.

 

* We are unable to assist individuals deriving income from, or using funds to purchase property from embargoed jurisdictions or those jurisdictions deemed non FATF compliant.

 

Best Deals -Purchase

Lender Initial Rate Type For Then APRC* ERC* Fee
BFU 1.44% Discount 2 years 5.64 5 2 years £1493
BBV 1.52% Discount 2 years 4.99 4.4 2 years £1493
BSO 1.65% Discount 2 years 5.5 5.1 2 years £1493
BSO 1.65% Discount 2 years 5.5 5 2 years £1493
BSO 1.65% Discount 2 years 5.5 5.1 2 years £1493
BSO 1.65% Discount 2 years 5.5 5 2 years £1493
BMS 1.69% Discount Aug-2024 5.99 4.6 31-Aug-2024 £1495
TIP 1.79% Discount 3 years 5.64 4.8 3 years £1505
BFU 1.79% Discount 2 years 5.64 5.1 2 years £1493
BBV 1.82% Discount 2 years 4.99 4.6 2 years £1493
*APRC = Annual Percentage Rate of Charge
*ERC = Early Repayment Charge
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

The mortgage products displayed above are as a result of the following search:
Reason for Mortgage: Purchase; Property Valuation: £200000; Mortgage Amount: £120000;Payment Method: Repayment; Mortgage Term: 25 years; Mortgage Product: All Offset: No Product Term Period From: 0 Months; Product Term Period To: 300 Months; .

The mortgage deals shown above are subject to individual status and a suitable security property. You may not be eligible for some or all of the deals shown given your status and/or the nature of the security property. For a more accurate indication as to mortgage deals you are eligible for, please contact us to discuss your specific situation and/or property.

 

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Rockhopper provided a precise, clear illustration of new mortgage proposal and ensured everything wa....
For service -  ProductTX/Riverside Mews
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Easy to work with.

By: Tim Baldwin
Rob and Alex are very easy to work with and you always feel like they have your back.....
For service -  Remo/Fairlea
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Very thorough, efficient service

By: Duncan Lees
After a very complicated first mortgage five years ago, we were quite apprehensive about the remortg....
For service -  Resi/Remo/Chelveston Road
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By: Ben Hornby
Alex and particularly David have been superb in helping us secure this remortgage which was not easy....
For service -  Resi/Remo/Slyne Road
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Very helpful, professional, and patient throughout what (for external reasons) turned into an except....
For service -  Expat/BTL/Gypsy Road
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David and Alex were very helpful in finding us a lender for our dream home. Thank you!....
For service -  Resi/Purchase/Austrey Lane
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By: Thomas Rae
They managed a remortgage when others could not. Would recommend to others.....
For service -  Resi/Remo/East Argyle Street
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By: Tim Wright
This was an excellent service from start to finish. Due to my circumstances ( paid in dollars) I cou....
For service -  Resi/Purchase/Heatherway
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Excellent service. Delivered my non standard mortgage. Anticipated challenges ahead and collected th....
For service -  Resi/Purchase/Monks Lane
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Had a great experience which resulted in successful purchase of our new home. Thanks to Alex Fryday.....
For service -  Resi/Purchase/Robson
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Very, very helpful and came through when others could not help (30+)

I wanted a mortgage at a particular LTV (20%) for a recent (less than 2 years) immigrant (Tier 2). I....
For service -  Resi/Purchase/Robson
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By: Andy Carmichael
We’ve had exceptional service from David and Alex to a difficult mortgage over the line. They have....
For service -  Expat/BuytoLet/Remo/King Edwards Road
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The best in the business.

Rockhopper has assisted me with my mortgage requirements on a number of properties. On every occasio....
For service -  Resi/Remo/Riddlesdown
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Highly recommended

By: Karl Davies
As a contractor earning salary in foreign currencies, I was unable to secure a mortgage via traditio....
For service -  Resi/Purchase/Hawthorns
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By: Francis Hornyold-Strickland
Great service. Lovely people and ended up with a great rate. My only suggestion would be to move awa....
For service -  ProductTX/Ferndale
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By: Gemma Hartley
A professional service from start to finish, good communication and helped me when other mortgage br....
For service -  Resi/Purchase/Upper St John St
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Rockhopper Mortgages are superbly professional and totally in control.

David Rostron and Alex Fryday of Rockhopper Mortgages were brilliant! I wanted to shuffle my mortgag....
For service -  BTL/Remo/Bay Tree
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Friendly, helpful and professional service.

By: Robert Cammidge
Friendly, helpful and professional service, took the stress out or re-mortgaging.....
For service -  Resi/Remo/Windham Road
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Superb service!

Excellent service from David and Alex, we were guided throughout the whole long process of our mort....
For service -  Resi/Purchase/Curlingham Crescent
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Excellent service

Refreshingly clear and straight forward process with strong, responsive communication.....
For service -  Resi/Purchase/Kenilworth Court
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RockHopper Mortgages is a trading style of RockHopper Origination Limited who is an appointed representative of HL Partnership Limited which is authorised and regulated by the Financial Conduct Authority.

RockHopper Origination Limited is a company registered in England and Wales with company number 10241688. Registered Office:Rockhopper, Blackwell House, Guildhall Yard, London, EC2V 5AE

The information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

CONTACT US

Tel: 0203 621 5696
Fax: 0203 621 5697
Email:info@rockhopper.uk.net

Address: Rockhopper, Blackwell House, Guildhall Yard, London, EC2V 5AE

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