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1 year ago

Foreign Nationals and Ex-pats Finance Specialist

Bond Finance has accumulated a great deal of expertise in the specialist area of mortgage lending. Our presence in the City of London and Brisbane means that we operate effectively over a wide range of time zones.

We help people build their UK property portfolios, in a number of situations:

  • people working abroad for a period of time, often for a large international company and who intend to return to the UK
  • people who have become residents in an overseas country and are not looking to return to the UK.
  • people who have never lived in the UK and are Foreign National Investors
  • people who have become residents in the UK from overseas and do not have indefinite leave to remain.

In all instances, Bond Finance can help with investment property purchases and refinances, and releasing equity from existing UK properties.

To help get the best rates lenders are looking for the following:

  • Landlord experience (UK)
  • Landlord experience (Worldwide)
  • The applicant is to have a minimum personal income of £50k sterling equivalent
  • Finance using an existing mortgage in the UK

If you don’t have all of the above, we can still help obtain funding for you and work with you to open doors to the very best finance available.

The main issues for any bank are:

1)identifying you and where you live

2)establishing that the sources of your own money are legitimate, which lenders find problematic when it comes from abroad

For these reasons, most UK banks won’t lend. However, there are a number of specialist lenders who will and we understand their requirements and we can help guide you through their processes to be accepted as a legitimate borrower.

Ideally, you will already have some UK debt that you have been servicing.

Don’t worry if you do not have any current UK debt, we are able to fund ex-pat and Foreign National investment property purchases without UK Landlord experience and also re-finances and short-term refurbishment loans, which you can either repay with a sale of the property, or a re-finance to a long term lender.

Make no mistake, in today’s climate, it can be a frustrating and lengthy process to establish your borrowing credential in the UK, but Bond Finance is on hand to help. Contact us today.

Bruce Mainwaring (Bond Finance Ltd)
Member since: 1 year
User is offline
The Minster Building, 21 Mincing Lane, London, EC3R 7AG
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