Mortgages for Expat & Foreign Nationals
British Expats: Stop Accepting Conservative UK Mortgage Offers
UK lenders struggle to assess international wealth whilst treating complex assets as risks.
As Qatar-based specialists, we help British expats achieve:
✓ 30-50% higher borrowing capacity
✓ Streamlined 12+ week process vs 6-12+ month delays
✓ Complex asset optimisation (crypto, art, bonds, overseas cash)
For the 240,000+ British expats in the Gulf earning £150,000+, your international success should unlock MORE opportunities, not fewer.
BRITISH EXPAT HOME PURCHASES.
- Typical outcome: £400k borrowing → £650k+
- Navigate Economic Crime Act delays (4-6 weeks faster)
- Direct access to specialised lenders
Book Free Capacity Analysis .
UK INVESTMENT PROPERTIES
Strategic buy-to-let for international investors
- Optimal financing for £600k-1M+ properties
- Portfolio-level strategy, not individual transactions
- Sharia-compliant options available
HOLIDAY-LET FINANCE.
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. Book Free Capacity Analysis 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 70%
● 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.
