Expat Mortgages

Ex-Patriate mortgages are available to British Nationals who are currently living and employed abroad by large organisations or bodies. They are available mainly for BTL but residential mortgages are available for their families to live in. For those ex-pats who have returned to live in the UK would have to show employment in the UK and a period of stability with the intention to remain in the UK.

Mortgages up to 75% LTV
Easy application process
Useful to “incorporate” existing portfolio ( after tax advice )
Competitive rates

Free Valuation & Legal Fee deals often available.

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The internet has opened up possibilities that 20 years ago were unthinkable.

Countries like Dubai have mushroomed on the premise of tax free earnings and millions have been lured to work in such environments and other places.

With high earnings and low expenses these Ex-Pats manage to save a lot of money and wish to buy in their home country to benefit from rising house prices and keep a foot on the housing ladder.

Most UK lenders do not operate in this market as the earnings are in a foreign currency and they cannot prove source of funds etc.

We do have banks that can assist this sector to buy Buy to Let & Residential property. Deposits are from 25% upwards and the rates reflect the additional risk.

Why choose us?

Here are a few reasons to choose Chess Mortgages.

Experienced advisers

We’ve been advising clients on mortgages for over 40 years.

We move fast

No need to wait; we respond & process applications quickly.

Whole of market

We scour UK lenders, private banks & offshore lenders for deals.

What you need to know…

I live work in a sanctioned country – can I get a mortgage?

No – lenders do not lend to applicants based in sanctioned territories

My wages are tax free. Can I gross up my income?

Yes we have lenders that will gross up your wages and apply an average exchange rate to get a sterling equivalent for affordability calculation purposes.

Do I pay tax on my UK income?

Yes – you will have to submit your tax returns to UK HMRC and pay tax on your profits.

Can I buy using a Ltd Co ?

Yes some lenders will permit this.

What our clients say…

"Excellent service and I would highly recommend to others"

Had the pleasure of instructing Chess Mortgages. Jaz was incredibly professional and impressive in her handling of my remortgage application. My application was dealt with within a week! Excellent service and I would highly recommend Jaz to others. Thank you Jaz!

Shaida Hussein

"Award winning mortgage advisors & I can see why"

Bob stepped in at very notice to assist us when we were in danger of missing out on our perfect home. We were impressed with advice we'd seen Bob provide on a forum, which was clear and sensible. It was later we found out that Chess are award winning mortgage advisors and I can see why.

Iftikhar Ahmad

"Chess was by far the best decision we made in looking for a mortgage"

I can't thank Jaz and Bob enough for their efforts in helping my wife and I in secure a mortgage. The process was effortless and they took weight off our shoulders. Having gone through getting a mortgage a number of times, I can safely say using Chess was by far the best decision we made. I will be using them again.

Shamit Rooproy

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