Mortgages for Expat & Foreign Nationals
Unlocking the UK Property Market:
Your Simplified Journey with IMS
Finding the perfect UK mortgage as an expat can be complex. But with IMS, it doesn't have to be. As UK mortgage specialists, we offer unparalleled expertise and a streamlined process to help you achieve your property goals, whether a dream home, a lucrative buy-to-let investment or a holiday-let property.
Home purchase mortgages.
We help streamline your UK purchase journey. We offer tailored expat mortgages with honest rates as well as expert guidance, simplifying every step from pre-approval to closing. Contact IMS to unlock your UK property dream.
Buy-to-let mortgages.
Expanding your investment portfolio? We find expat-specific buy-to-let mortgages with the right lender for you. Our advisors help you navigate the UK market, ensuring a smooth journey towards your investment goals. Get in touch here and expand your potential in UK property.
Holiday-let mortgages.
Looking into owning a UK getaway? Our final mortgage service for expats & foreign nationals is holiday-let mortgages, ideal for financing your vacation home and potentially offsetting costs with rentals. Great for properties with a strong rental history. Contact IMS to find out more.
IMS Mortgage Qualification Criteria
Please ensure you meet our qualifications and requirements
We carefully select our clients based on specific criteria and are only able to accept pre-approved or known acceptance applications. Our singular focus is to assist you or your family in acquiring the property of your dreams in an efficient and timely manner…
If you're looking for a mortgage, you can apply to us if you:
● Earn over £80.000 p.a. (or equivalent)
● Are seeking a mortgage of over £300,000, with a maximum LTV (loan-to-value) of 75%
● Are employed on a permanent contract for at least 2 years (If self-employed or owning more than 25% of a company - have an accounting history of at least two years.)
The IMS approach…
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Step 1
Once we’ve responded to your initial enquiry, we then first establish your objectives, ensuring that we can deliver a successful mortgage solution for you.
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Step 2
We’ll then undertake a comprehensive market analysis to identify the mortgage and lender options that best align with your objectives and financial situation.
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Step 3
We give an answer to every enquiry within 48 hours - positive or negative, together with pre-underwriting and feedback on how to ensure a successful application.
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Step 4
Our established and personalised approach guarantees a smooth and efficient application process, minimising any potential obstacles or delays.
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Step 5
We offer referrals for ancillary services such as legal support and insurance, ensuring that all necessary measures are taken care of before the process begins.
