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International
Mortgages

At Care4Mortages (C4M), we come across many clients considering buying a property in the UK but are hesitant because of the tough mortgage market in the UK. If you are looking to invest in international mortgages in the UK, C4M can help you with your support to make the right mortgage decisions. We provide all kinds of international mortgages to help you get the property of your choice. C4M can help you with:

  • Financing a property in London or any other city in the UK in local currency without traveling there.
  • You will be smoothly guided through the entire process, from sourcing to financing, by our mortgage specialists and relationship managers.
  • We can help you acquire loans for up to GBP 5 million and up to 75% of the market value. Customers can also benefit from up to 25 years of tenor and variable or fixed interest rates and flexible repayment options.
  • Clients can secure finance to buy an investment property by releasing equity from an existing UK property or transferring a current mortgage loan to us.
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International Mortgages
A relaxing experience

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:

These are those properties that clients buy for their personal uses, 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:

These are buy-to-let properties that clients purchase 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 International Mortgages:

Fixed-Rate Mortgage; Stay on track with your regular payments

Fixed-rate mortgages are installments of payments that are made every month. A fixed-rate mortgage 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 we will assess your financial circumstances before lending to you.

Tracker- Rate Mortgage; Variable payments for more flexibility

Tracker rate mortgages are directly linked to the base rate of the Bank of England; 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 fixed-rate security and the flexibility of tracker-rate mortgages. On the tracker based on half of your mortgage, your repayments may increase or decrease based on the base rate of the Bank of England, 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 installments 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. In the beginning, your initial 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 will be able to repay the entire borrowed amount plus interest at the end of your mortgage period, which is 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 type of repayment option has become very 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 to have at least a 40% deposit or a very high income.

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OUR OFFICES

Get in Touch

Come and visit our offices or simply send us an email anytime you want. We are open to all suggestions from our clients.
Address
94 Street Lane
Rhoundhay
Leeds
LS8 2AL, UK
Address
9 Sheaf Lane
Coventry Road
Birmingham
B23 6EJ, UK
Contact
0113 8870 218
0121 7268 542
[email protected]

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    CareAccountancyOffices
    94 Street Lane, Leeds
    9 Sheaf Lane, Coventry Road, Birmingham
    OUR LOCATIONSWhere to find us
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    GET IN TOUCHCare Accountancy Social Links
    Taking seamless key performance indicators offline to maximise the long tail.
    CareAccountancyOffices
    94 Street Lane, Leeds
    9 Sheaf Lane, Coventry Road, Birmingham
    OUR LOCATIONSWhere to find us
    https://careaccountancy.co.uk/wp-content/uploads/2019/04/img-footer-map.png
    GET IN TOUCHCare Accountancy Social Links
    Taking seamless key performance indicators offline to maximise the long tail.

    Copyright by CareAccountancy. All rights reserved.

    Copyright by CareAccountancy. All rights reserved.