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:
✓ Higher borrowing capacity — achieved in complex cases
✓ Streamlined 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.
* 6–12+ month delays are commonly reported by expat and foreign national applicants attempting to obtain mainstream UK bank mortgages without specialist broker support, due to income verification complexity, currency assessment, and residency status checks. Individual timelines vary depending on lender, applicant profile, and property transaction complexity. Source: IMS client experience data and industry broker research. This comparison is illustrative and not a guarantee of outcome.
Home Purchase Mortgages.
- Typical outcome: £400k borrowing → £650k+
- Direct access to specialised lenders
Book Free Consultation to learn more.
UK Investment Property Mortgages
Strategic buy-to-let for international investors
- Optimal financing for £600k-1M+ properties
- Portfolio-level strategy, not individual transactions
- Sharia-compliant options available
Book Free Consultation to find out more
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. Book Free Consultation 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.
