What’s the difference between short-term lending and bridging loans?

Short-term loans often offer lower rates and flexible terms, ideal for borrowers with strong credit. Bridging loans are costlier but faster to access, with looser eligibility.

Can I get a short-term mortgage for a buy-to-let property?

Yes, short-term mortgages can fund buy-to-let purchases, offering speed and flexibility for landlords.

What are the best short-term mortgage deals available?

Rates typically range from 1% to 1.75% over base. The best deal depends on loan size, property, and credit profile.

Are short-term self-build mortgages available?

Yes, we offer staged short-term funding for self-builds and can help secure long-term finance after completion.

Are there any upfront lender fees?

Most lenders charge no application fees. Offers are usually made subject to valuation before any fees apply.

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Expat Mortgage Case Study: Buying a £1.05m UK Home While Working in Saudi Arabia

An expat couple relocating from Australia—one working in Saudi Arabia, the other in the UK—needed an 80% mortgage on a £1.05m home. We secured a flexible variable-rate loan through a specialist lender, tailored to their cross-border lifestyle.

Helping an Expat Secure a UK Mortgage Before Relocation

We helped a self-employed expat secure a UK mortgage before relocating from Portugal—using her UK credit history and a parental address. With just an accountant’s certificate, we bypassed the usual paperwork, and the loan was approved in just 4 days. She moved straight into her new build home without the hassle of renting or staying with family.

Maximising Mortgage Options: A Professional Couple’s Route to Property Ownership in Scotland

A Germany-based couple secured a mortgage in Scotland, overcoming challenges like translating payslips and managing dual-currency incomes, while avoiding expat mortgage restrictions. The loan was smoothly transferred after changing properties.

Navigating the Purchase of a Unique Equestrian Property for an Expat Client

An expatriate client employed in Saudi Arabia successfully purchased a UK property with equestrian facilities without relying on existing property sale proceeds or costly bridging loans. Renting out one property, choosing private bank lending, and securing a mortgage with overpayment flexibility ensured a smooth acquisition and strengthened their financial position.

Securing a Mortgage for UK Expats Returning from Italy

UK expats in Italy needed a mortgage to buy a £465,000 property in Derbyshire before Christmas. Despite the challenge of one applicant’s self-employment, we secured a 90% LTV mortgage based on the other applicant’s income. They successfully purchased their new home and relocated to the UK.

Expat in Saudi Arabia Purchasing a New Home in the UK

UK expat working in Saudi Arabia, looking to purchase a new property in the UK for their family. We had arranged their previous mortgage, and due to the complexities in their situation, required our services.

Triumph Over the Expat Mortgage Maze: From Ireland to Bristol

We secured a £240,000 expat residential mortgage for a UK passport holder working in Ireland, enabling the purchase of a property in Bristol. By verifying their income from Ireland, the client can now comfortably live between Ireland and England.

Why Choose Our Mortgage Advisors

Market Knowledge

Our deep understandinf of lender critera, underwriting practices, and market trends allows us to match clients with the most suitable mortgage solutions.

Independent and FCA Regulated

We act in your best interests, not the banks’.

Proven Track Record

Years of helping first-time buyers just like you.

No Hidden Fees

Transparent advice with a free initial consultation.

FAQ

What is the maximum multiple of income I can borrow?

Most lenders can offer an income multiple of 5-5.5x. Select lenders can offer 6-7x on a case by case basis

Is it easy to get a mortgage when self-employed?

Yes, we can arrange mortgages for all self-employed clients. We can use undrawn profits if you run your own company, alongside any salary paid. See our self-employed mortgage page for more information.

Do I need a VISA as a foreign national?

No. If you are a foreign national residing in the UK, or relocating to the UK, we have competitive lending options

How long do I need to live in the UK before I can apply?

There is no minimum amount of time you need to reside in the UK before you can apply for a mortgage. You may face a higher deposit requirement, typically 25% until you have been here at least one month.

Is mortgage advice free?

Your first consultation with us is completely free. We’ll explain any fees clearly before you proceed. We typically charge a maximum fee of £500, and this tapers down as the amount you are borrowing increases.

What rates are available?

We can confirm the best rates avaialble through a quote request.

You can browse potential products here – Mortgage rates