International Mortgages


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Buying a home or investment property is often the biggest financial commitment you will make. It is crucial, especially when buying in another country, that you get current, expert, independent advice.

We search the whole of the market to find the most relevant, cost-effective product for your particular circumstances. An expert in the international mortgage arena with over 25 years of financial services experience, we will guide you, step by step, through the often-complex process.

We have access to lenders who lend to UK nationals living and working overseas on standard rates even if their earnings are not in Sterling.

We can help you if you’d like to:

  • buy a property in the UK
  • raise some capital from your existing arrangements
  • optimise your tax position from rental income
  • looking to restructure your existing monthly payments to make savings

Peritus International can provide both UK residents and expatriates with completely independent advice on all aspects of UK mortgages.

We advise on everything from the usual mortgage, remortgage and buy-to-let, through to development finance and bridging and secured loans. 

In addition, we offer advice on:

  • building and contents insurance
  • conveyancing, foreign exchange
  • life and critical illness insurance
  • income protection

Our team of UK-based administrators ensure the process is smooth and efficient. They will keep you informed at every step of the application. 

Your home may be repossessed if you do not keep up repayments on your mortgage. 

You should also be aware of currency when buying an international property. 

A property’s relative value will typically reflect currency changes as well as property market movements
and changes in the exchange rate may increase the sterling equivalent of a mortgage debt. 

A fee of £1,295 is payable for advising you on a suitable Mortgage. This fee is payable once we have obtained your mortgage offer.
We will also receive commission from the lender which is generally a percentage of the loan amount.

The FCA do not regulate most forms of Buy to Let.

International clients are not afforded the same protection as UK clients under the Financial Services Compensation Scheme (FSCS).

 

Peritus International is a trading style of Peritus Private Finance Limited which is authorised and regulated by the Financial Conduct Authority. Registration number 729282. You can find us on the Financial Services Register here register.fca.org.uk

Registered in: England and Wales Reg No. 03490834 The guidance and/or advice contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK. Where you have a complaint or dispute with us and we are unable to resolve this to your satisfaction then we are obliged to offer you the Financial Ombudsman Service to help resolve this. Please see the following link for further details: www.financial-ombudsman.org.uk