If you have been living abroad for three years or longer, then it is likely that you will experience difficulties when trying to find a mortgage provider who is prepared to lend to you. This is because expats are often perceived as representing a high borrowing risk.More information
Expats who are unable to provide a full UK credit history, or who are absent from the electoral register and other databases used in financial profiling, will often find that lenders are unable to judge their circumstances or loan reliability, with basic credit checks usually yielding poor results.More information
Ironically enough, there are more expat buy-to-let mortgages available on the market than residential ones! However, you will need to provide a minimum 25% deposit on the property and to prove that the rental income will exceed mortgage payments by a ratio of 145%.More information
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“As first time buyers, both myself and my partner were both completely clueless about the mortgage process. We were recommended Charles Louis Mortgage Advisers and we were not left disappointed! Michelle was extremely helpful in getting all the necessary information over to us, keeping us updated on where we were up to in the process and also answering any questions which we had. We both feel that by using Charles Louis Mortgage Advisers, the process was made so much quicker and easier and we felt that we were in safe hands in getting the best mortgage for us. We couldn't have done it without them and especially Michelle” ”M Williams
““Charles Louis take a wholistic view of your requirements and take time to understand what you need, helping you through the process all the way. I’ve used them for years and wouldn’t go anywhere else” ”Miss J Kain
““I’ve been working with David, Alice at the team at Charles Louis since early 2015. During this time they have been instrumental in assisting me, not only to grow my own personal collection of buy to let properties, but to grow my family’s limited company portfolio as well. We have worked together on mortgages and remortgages across a range of different property types and I’ve found the team invaluable, particularly when it comes to problem solving. As anyone who has been involved in property for any length of time knows, ‘Plan A’ often doesn’t work out. It’s at these times when I’m really grateful for the experience and depth of knowledge that Charles Louis bring. They never fail to help me find options that allow me to complete on deals I’d otherwise miss out on. They are an essential part of my property team.” ”Sam Jones of Ashlar Property Management Ltd. Powys, Wales.