Recent Instructions

  • UK Nationals based in the Cayman Islands seeking finance of £700,000 to assist with the purchase of two North London apartments on a buy to let basis.

  • New Zealand based client with property in London valued at £450,000. Seeking refinance and equity release to purchase New Zealand residential property for own occupation - £250,000

  • Singapore based Lawyer seeking finance for refinance and equity release on existing UK property to purchase additional investment property - £400,000

  • Expat based in China seeking a refinance of UK property valued at £235,000. Existing lender would not renew as borrower no longer UK resident.

  • Singaporean clients looking to purchase London property at £450,000 for rental investment opportunity. Loan required of £300,000

  • Self employed UK National based in Malaysia seeking finance of £1.925m to assist with the purchase of a Central London residence.

  • UK Expat based in Moscow looking to relocate family back to UK. Seeking mortgage at 80% of purchase price.

  • Clients based in Sri Lanka seeking finance of 80% to purchase apartment in Bristol for their daughter whilst studying at university.

  • UK National from Scotland with flat based in Glasgow. Living and working on a yacht in the Caribbean seeking mortgage of £70,000 to refinance current mortgage from onshore lender.

  • Channel Islands resident with commercial property based in London valued at £2m. Property owned by SIPP and placed in offshore company with equity release to beneficial owner of £500,000

  • Existing client (UK Expat) based in Brunei looking to purchase a third property back in the UK for £300,000 on a buy to let basis. Finance raised on an interest only basis over a 10 year term.

  • UK clients based in the RoI seeking finance to purchase a small portfolio of UK properties taking advantage of depressed market prices. Total funding requirement £925,000 approved over a 20 year term.

  • Purchase of 4 North London apartments for £1m for wealthy African family through a BVI company which is in turn owned by a Trust administered in Switzerland. Finance approved at 3.14% for a 20 year term.


Financial Products

In the menu above, you will find a list of countries where we can currently secure finance. Simply click on your preferred country for specific terms and conditions.

If you have not yet found but intend to buy an overseas property, a Decision in Principle from the lender is invaluable. This service, involving no commitment on your part, provides you with an idea of the amount of finance available to you before you commit to a purchase.

By completing the bank's loan application form and returning it to us, we can arrange for a "Pre-Approval" for you within just a few days. Contact us to find out just how simple this is and how valuable it can be as a bargaining tool for you when you are looking to negotiate a purchase.



Whilst the rate of interest you pay is probably the most important consideration when deciding on your mortgage, you should also be aware of other equally important factors such as flexibility, lock-ins, how interest is calculated and when interest is applied etc. You also need to make the choice between whether you want an interest-only mortgage or a repayment mortgage. If you want an interest only mortgage, most lenders will require you to take out a suitable investment to couple the mortgage which will pay off the capital element of the loan at the end of the mortgage term. Some will, however, allow you to have an interest only mortgage without the requirement of the investment and in this case, you (and your lender) will assume repayment of capital from elsewhere but most likely the sale of the property.


This is usually the most expensive option for the borrower. A Bank's standard variable rate is linked to the Bank of England's base rate and moves up and down in line with it. If the Bank of England announces a change in Base Rate, you can expect that your interest rate will move up or down accordingly.

On a standard rate deal, you will probably benefit from the flexibility of penalty free lump sum reductions or repayment holiday but effectively because you're paying a higher rate than other offers, you'll be subsidising the discounts other customers are receiving.


Exactly that - a fixed rate that ensures you have peace of mind so that if rates go up, yours will stay the same. You know how much your repayment is each month and you will know for how long your repayments stay at the same amount. The rate of interest is fixed for a certain length of time usually 1-5 years and sometimes up to 10 years.

The fixed rate is a good option for people who are on a tight budget, need to monitor their funds closely and are not in a position to afford any significant increase in repayments if rates go up. However, a fixed rate also means you could be caught with paying more than everyone else if interest rates fall below the rate that you decided to fix your mortgage at. Also, be sure you are going to keep the property for as long as the term of your fixed rate period, since some lenders can charge fairly hefty penalties if you wish to opt out.


Discount* mortgages effectively parallel standard variable rate mortgages except that you'll receive a reduced rate in the first few years of your mortgage. Your monthly payments will move up and down in accordance with the lender's normal rate but you'll be paying at a reduced rate over the relevant time period. Good for first-time buyers as a discounted mortgage takes the pressure of what would otherwise be higher repayments in the first few years. But there's no such thing as a free lunch as many lenders will have lock-in periods to keep you with them beyond the discounted period and getting out can be costly. If you can find a lender with no lock-in period, then you're free to move your mortgage elsewhere to take advantage of other offers in the market.

Discount mortgages offer are a good choice but only if you are free of any lock-ins after the discounted period is over.


Capped* rates are similar to a fixed rate in that there is a "ceiling" on the maximum rate that you will pay. The additional benefit with a capped rate over a fixed rate is that your interest rate can fall but not rise above a certain level (the ceiling). If your lender's variable rate climbs higher than the capped rate you benefit because you don't pay higher than the ceiling (or capped) rate and if it falls below the capped rate you'll just be paying what everyone else is paying.

Capped rates give you part of the advantages of fixed rates and of variable rates. Whilst they can be a good choice, capped rates are generally higher than any fixed rate you can get.

*Subject to availability



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