UK Mortgages
The United Kingdom boasts a diverse array of lenders, ranging from local building societies to globally renowned banks in London’s financial hub. Fortier offers an efficient method to connect with top domestic and international lenders tailored to meet various financial needs.
UK Mortgages
The United Kingdom boasts a diverse array of lenders, ranging from local building societies to globally renowned banks in London’s financial hub. Fortier offers an efficient method to connect with top domestic and international lenders tailored to meet various financial needs.
Mortgages in London
KNOWLEDGE AND EXPERTISE
Fortier is acknowledged as a reputable facilitator for high net worth individuals and expatriates seeking financing solutions in the United Kingdom. The distinctive financial challenges faced by these individuals, such as the complexities of securing cross-border mortgages, are met with our expertise, ensuring tailored solutions that address the unique needs and intricacies associated with international mobility.
Fortier stands out in crafting specialised mortgage offerings that cater to the discerning clientele, aligning seamlessly with their distinctive requirements and aspirations.
HNW & Expatriate Mortgage Market
The mortgage market in London is globally recognised for its sophistication, offering a wide range of mortgage products to cater to diverse needs and preferences. The city’s mortgage market reflects its status as a financial hub, and various lenders provide innovative and flexible solutions.
How we can help
Expatriate Mortgage
An expatriate mortgage in the United Kingdom is a tailored solution for those who lack citizenship, permanent residency status, and earn income from a foreign source.
Mortgage range: £1,000,000 +
Loan to value (LTV).
- Up to 90% LTV (base case scenario)
- Up to 70% LTV for European & Schengen Countries
Most expatriate mortgages are around 75% LTV with a wide range of lending options available (interest only included).
Key Considerations
Mortgage capacity
Proof of income
Good standing letter
Deposit required
Translation of documents
Holding structure of property
Private Banks
The majority of private banks typically offer loans with a loan-to-value (LTV) ratio ranging from 60-65%, and for exceptional clients, some may extend it to 85%. While assets under management (AUM) may not always be mandatory, if required, they can vary from a fixed £500,000 to up to 30% of the loan amount. This condition is commonly imposed in instances where the client has a notably intricate financial profile or is seeking to enhance the interest rate.
PRIVATE BANKING MORTGAGE
Private banks have the capability to provide highly competitive interest rates, tailored offerings, and fast underwriting processes. Their ability to act swiftly enables them to deliver solutions that may surpass the responsiveness of traditional high street mortgage lenders.
Mortgage range: £1,000,000 +
Loan to value (LTV).
- Up to 85% LTV (exceptional borrowers).
- Between 60% – 70% LTV (majority of applicants).
Most expatriate mortgages are around 75% LTV with a wide range of lending options available (interest only included).
