UAE resident expat mortgages
Expat mortgages for UK nationals living in the UAEFor over 20 years we've been helping UK Expats living in the UAE with their mortgage requirements.
Our experience means we can quicky source the best and most suitable mortgage products leading to an agreement in principle without delay.
Our efficient processes and systems mean that we progress all aspects of your mortgage application quickly whilst ensuring the lender has all the information they need on submission. This also means that any fees for our services are always kept to a minimum.
We always aim to provide our UAE clients with the very best levels of service and support when helping with their mortgage requirements.
We provide full support as the mortgage application progresses and we are happy to speak to Solicitors and Estate Agents to keep things moving along.
We offer important continued support over the years with the reassurance of being able to speak to the same expat mortgage advisor when requirements change or new opportunities arise.
We also provide a full mortgage review when it's time to remortgage or look at new products and rates.
We are grateful for extremely positive feedback from our Dubai UAE based clients and we benefit from a large number of referrals as a result!
If you are planning buy a family home in the UK, mortgage lending levels will depend on a number of factors including your employment status.
The following table should give you a good idea of the maximum Loan To Value (LTV) available relating to employment status.
| Employment status | Max LTV |
|---|---|
| Self Employed | 75% |
| Contractor | 85% |
| Employed | 85% |
| Employed (Spouse in UK) | 90% |
| Employed (Returning to UK) | 90% |
Most lenders will assess buy to let mortgage applications based on either rental income projections or an applicants own personal income when determining borrowing limits. A limited number of lenders will consider both rental and personal income when assessing a case.
| Employment status | Max LTV |
|---|---|
| Self Employed | 75% |
| Contractor | 75% |
| Employed | 75% |
Some lenders will consider applications from UK expats living in the UAE of up to 80% LTV, rates tend to be higher than those quoted for 75% LTV.
To help you understand some of the mortgage terminology used on our website we have created a mortgage glossary page with common terms and meanings.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
Changes in the exchange rate may increase the sterling equivalent of your debt
We help both UK expatriates and foreign nationals find mortgages for UK property.
We can normally find a suitable mortgage for most individuals including contractors and self employed workers.
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Our company was established in 2002 as a specialist expat mortgage and insurance broker.
Since then we've helped 1000s of UK expats and our experience means we can quickly find the most suitable products to match your individual needs.
Being part of one of the UKs largest networks of Financial Advisors also means we have access to many exclusive mortgage rates not available anywhere else.
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We have access to mortgage products & services from a comprehensive range of over 65 lenders.
We'll find you a great mortgage!
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We can help you finance your UK investment property with access to many better rates.
We're the UK Expat buy to let mortgage specialist.
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If you already have a mortgage we could find you a better deal.
Challenge us to save you money!
Remortgages
Latest expat mortgage rates with maximum lending criteria and APRC comparisons.
Click the link below to see the latest expat mortgage rates.
Mortgage Rates
We have access to international life insurance and income protection plans for peace of mind.
We'll help you find the right cover.
Life InsuranceOur experience means we can find you the right policy first time.
