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Offshore Mortgages & Expat Mortgages

Offshore and Expat mortgages are a new offering from Finance Search that extends our service beyond the UK market. We are pleased to be able to help you if you want to buy a property in the UK but you are:

  • Non-UK resident (UK expatriate or national of another country)
  • UK resident but deemed Not Ordinarily Resident in the UK for tax purposes
  • UK resident (but non UK domiciled)
If you want to buy or re-mortgage a residential property in the UK to be occupied by you and your immediate family or even if you want to purchase a buy-to-let property, there is a mortgage for you.

Want to look offshore for your mortgage? Apply for an Expat or Offshore Mortgage Now.

Interest Rates and Income Multiples are Competitive


Rates as low as 1% above bank base rate are available with income multiples of 3.5 times gross annual salary (main applicant) plus 1 times gross annual salary (second applicant) or 2.75 times joint gross annual salary.

How does it work?


The mortgage is provided by a bank based in the Isle of Man. This means that if you belong to any of the groups above, you can benefit from offshore tax planning. The principal advantage of an offshore mortgage is that the payment of interest (but not capital) out of non-UK income is not regarded as a taxable remittance to the UK.

The mortgage interest can also be set against any taxable UK rental income, reducing the UK tax liability for non-UK resident landlords.

Sounds interesting? Apply now and find out more.


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