80% LTV London Mortgage For British Expat In UAE
UK Mortgages for expats living in the UAE have become increasingly difficult recently as the jurisdiction is under increased monitoring from lenders.
But this case shows it’s still very possible, and it highlights the importance of working with a good broker and getting ahead of the due diligence process.
The Scenario
Our client, a British expat residing in Dubai, was looking to purchase a residential property in the UK – his wife and children were currently renting in London and grappling with high rents, so it made sense to buy.
He found a property just outside the city priced at £400k, and needed a £320k mortgage which placed him at an 80% loan to value (LTV).
The Solution
We approached a high street lender who were open to providing a mortgage at 80% LTV, but they highlighted that the enhanced due diligence would likely result in significant delays in the application process.
Our client wanted to move fast, so our broker took a proactive approach – before submission, we ensured we had the relevant employer reference details, a responsive contact point at the bank, and the necessary documents certified in advance.
Obtaining a mortgage as an expatriate can be fraught with complexities. Regulatory nuances, particularly for those residing in higher-risk countries, can lead to delays and challenges in securing a mortgage.
But this case underscores the importance of a broker's foresight and proactive approach to navigating the complexities of the international mortgage landscape – our clients are often surprised with the finance they can achieve when they use our services.
James Ellacott
Commercial Finance Broker
Cardiff
0203 880 8890
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Simon Mullins
Finance Broker CeMAP
Cardiff
0117 959 5094
Are you looking for a similar type of property finance?
As a specialist bridging adviser at Clifton Private Finance, I can take a holistic view of your situation and find the right finance solution for you. Book a free telephone consultation with me at a time to suit you.
Paige Dumpleton
Finance Broker CeMAP
Cardiff
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As a specialist bridging adviser at Clifton Private Finance, I can take a holistic view of your situation and find the right finance solution for you. Book a free telephone consultation with me at a time to suit you.
Jonathan Moffatt
Head of Business Finance
Cardiff
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Alex Morris
Private Client Adviser
Bristol
0117 332 5061
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I have extensive experience securing UK mortgages for clients. Book a free telephone consultation with me at a time to suit you.
Scott Dutfield
Finance Broker
Cardiff
0117 959 5094
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As a specialist bridging adviser at Clifton Private Finance, I can take a holistic view of your situation and find the right finance solution for you. Book a free telephone consultation with me at a time to suit you
Carly Cheeseman
Head of International
Bristol
0117 457 9922
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Nick Kerley
Finance Broker
Cardiff
0117 959 5094
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As a specialist bridging adviser at Clifton Private Finance, I can take a holistic view of your situation and find the right finance solution for you. Book a free telephone consultation with me at a time to suit you.
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Louis Levine
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Bristol
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Finance Broker
Cardiff
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Fergus Allen
Senior Finance Broker
Cardiff
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Book ConsultationJacob Phipps
Finance Broker
Bristol
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I specialize in helping international clients source residential and investment property finance for UK property. Book a free telephone consultation with me at a time to suit you.
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Finance Broker
Bristol
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Mathew Phillips
Senior Finance Broker
Bristol
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Senior Private Client Adviser
Bristol
0117 403 4324
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Senior Finance Broker
Bristol
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