We provide financing and refinancing services to help you get the property of your choice, all from the comfort of your home.

Range of UK Mortgages:

We provide a range of international mortgages with ongoing support from our mortgage specialists.

Owner-Occupied Mortgage

Clients buy these properties for personal use, such as a family house to live in. We can help with a range of fixed and tracker mortgages or both.

Eligibility

• The client must be 18 years old.
• They must be an international banking customer.

Investment property

Clients purchase buy-to-let properties to rent out, whether you live in the UK or overseas.

Eligibility

• The client must be 21 years old.
• A 25% deposit is required.
• Must be an international banking customer

Types of mortgages:

• Fixed-rate; stay on track with your regular payments

Fixed-rate mortgages are instalments of payments that are made every month. This can be a great way to plan or keep a budget as you have to pay the same amount each month. Also, your payments will not be affected if the Bank of England base rate increases in your fixed-rate period. However, it would help if you had a stable financing stream because your financial circumstances will be assessed before we can lend to you.

• Tracker rate; variable payments for more flexibility

Tracker rate mortgages are directly linked to the Bank of England base rate; hence, if you choose this type of mortgage, your monthly payments may increase or decrease depending on the bank’s base rate situation.

• Part and part mortgages; the best of both worlds

This type of mortgage is a mix of both fixed and tracker rate mortgages. It allows clients to split their home loans and merge the security of fixed-rate and the flexibility of tracker-rate mortgages. On the tracker-based half of your mortgage, your repayments may increase or decrease based on the Bank of England base rate, while on the fixed-rate half, an additional fee may apply to early repayments.

Repayment Options: 

• Capital repayments

This repayment option is based on your monthly instalments to pay off your mortgage loan. Whatever amount you pay each month is put towards paying off some of the initial amount borrowed and interest on your debt. Initially, your repayments are made up of more interest and less capital. But over time, this is reversed as your debt decreases, and the interest on it falls. This shift will continue to occur as your monthly repayments go towards paying off the capital.

As long as all your repayments are made on time, you can repay the entire borrowed amount plus interest at the end of your mortgage, usually up to 25 years.

• Interest-only

As its name indicates, interest-only repayments allow you to pay only the interest back each month, which means that you would still have to repay the capital you borrowed at the end of your mortgage period.

The plus point of such a repayment option is that the monthly repayments are much lower than capital repayments. However, a downside to this is that you will need to work out how to repay the original capital you borrowed at the end of the mortgage period. This is usually done by setting up an investment or savings plan.

This repayment option has become uncommon, and few lenders offer it now. This is because people struggle to repay their loans. The eligibility criteria for this option are now stringent, and if you choose this option, you may need at least a 40% deposit or a very high income.

Range of UK Mortgages:

We provide a range of mortgages with ongoing support from our mortgage specialists.

Owner-occupied

Clients buy these properties for personal use, such as a family house to live in. We can help with a range of fixed and tracker mortgages or both.

Eligibility

• The client must be 18 years old.
• They must be an international banking customer.

Investment Property

Clients purchase these properties to rent out, whether you live in the UK or overseas.

Eligibility

• The client must be 21 years old.
• A 25% deposit is required.
• Must be an international banking customer.