Fast Expat Buy to Let Remortgage

Fast Expat Buy to Let Remortgage

Area
Reading
Capital Raised
£500,000

The Scenario

Our client was a UK expat who’d recently relocated to Australia and was needing to remortgage their former residential property back home into a Buy-to-Let mortgage: a fairly common expat remortgage scenario.

  • The property was already tenanted under an Assured Shorthold Tenancy (AST)
  • Operating under a consent to let arrangement from their current lender
  • The client was approaching the end of their existing mortgage term
  • But had left it fairly late and now faced time pressures to complete before reverting to their lender’s Standard Variable Rate (SVR)
  • And they required their maximum borrowing potential in terms of loan-to-income and loan-to-value ratios

The combination of expat status and time sensitivity made this a particularly challenging case, especially while keeping costs down in terms of interest rates, as expat mortgages typically require additional documentation and processing time.

The Solution

We set out to balance the client's dual requirements of maximising borrowing potential and achieving a quick completion:

From initial contact with our client services team to speaking with an adviser and then submitting their application, it took our team just 3 working days.

We’d selected a building society with a strong track record in expat lending, and were able to leverage the client’s current AST and consent to let arrangement to streamline the application process.

The case demonstrates that even typically complex expat cases can be processed quickly with the right lender selection and efficient case packaging.

Simon Mullins

Finance Broker CeMAP

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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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.

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Scott Dutfield

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Cardiff

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Sam Baker

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Fergus Allen

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Jacob Phipps

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Bristol

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Jack Spillane

Finance Broker

Bristol

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Is your situation similar to this? I specialise in helping clients who need creative development finance solutions, and second-charge mortgages. Give me a call any time and we can set up a detailed discussion of the finance you need. customDatabaseField-8455

Mathew Phillips

Senior Finance Broker

Bristol

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Alex Chambers

Senior Private Client Adviser

Bristol

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Luther Yeates

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Bristol

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