Overseas Mortgages

Specialist Mortgages - 'Overseas' and 'International' Mortgages

Independent Financial Services GB is a performance led UK 'independent broker' for specialist mortgage and loans, with a multi-disciplinary capability of financial services and products .

A large percentage of our clients are high net worth individuals or corporate concerns, that have more complex funding requirements. We harbour expertise in the specialist loans market. We are the preferred choice and advisory partners.

Specialist 'Overseas' Mortgages can be broken down into 2 sectors:

mortgage-triangle   UK Mainland 'Offshore Mortgages' - clients seeking to purchase or remortgage UK property by the means of UK Banking institutions or 'offshore banks' this can be for UK resident nationals, foreign nationals or expats / non domiciled. Click here to read more....

mortgage-triangle   Overseas International Mortgages - where mortgages for homes are arranged all over the world encompassing over 25 different countries this can be for UK resident nationals, foreign nationals or expats / non domiciled. Plus a specialist and niche are we specialise is in property development from a 'self build' to 'large build' projects essentially in the housing sector. Click here to read more....

We cater for specialist lending needs we access main-stream lenders to niche financial financial institutions. For example: offshore and overseas banks, merchant and private banks who have 'standard' and 'bespoke' tailor made mortgages and remortgage solutions where at times traditional banking style involves having a 'blank piece of paper' and funding needs are moulded around personal needs and circumstances - this approach can be refreshing and not subject to tick-box regimented process allowing for flexibility in under-writing.

For more sophisticated customers and High Networth Individuals 'Foreign Currency' mortgages are available, along with currency management facilities, allowing potentially lower rate of interest than is available in the UK or your place of primary income. This type of mortgage product has risk associated due to fluctuations in foreign exchange (FX) rates, and may not be suitable if you are risk averse.

We can also offer sophisticated mechanisms where investment in Bonds returning a regular coupon, leveraged on the encumbent investment can be utilised for purchasing UK residential property - this type of product is aimed specifically at High Networth Individuals, but the rate of interest can be very attractive with potential of tax benefits and within the confines of wider spectrum of tax planning.

We work with specialist partners and discreet legal practices, and barristers that specialise in robust tax planning in regards property matters, and offshore structures both for UK, and non-UK and non-domiciled UK residents who require to purchase or develop property in the UK and offshore.

We have the capability to furnish holistic solutions in property finance, structured finance, conveyancing, foreign exchange services, tax planning, Stamp Duty mitigation, trusts, insurance services etc. You maybe able to get these services individually, but will you able to co-ordinate a solution across multi-disciplinary professions, services and financial products and where the net result meets your needs in an efficient and cost effective manner. We can assist you with our expertise and net-work of specialist contacts within the industry in delivering creative and dynamic mortgage and remortgage solutions both for residential and commercial property.

We also recognise that the majority of our clients are likely to have a number of existing relationships: for example, with investment institutions, solicitors and accountants. It is not our intention to replace or disturb these relationships, but to provide a more coordinated strategy where a bespoke and holistic perspective is provided in regards your next purchase or remortgage.