Fidelius Group

At Fidelius, our expat mortgage team are committed to providing a cost-effective and valuable service by:

✅ Sourcing you the best lender options
✅ Being on hand from consultation to obtaining the keys
✅ Putting in place protection planning
✅ Securing buildings and contents insurance

Whether you’re looking for a residential or buy-to-let expat mortgage, get in touch with us today: https://www.fidelius.co.uk/expat-mortgages

First-time buyer profile shifts as prices rise 📈

Rising house prices and the size of deposit required for a mortgage mean that the average age of first-time buyers are now over 30 in all nations and regions of the UK.

Analysis from mortgage lender Halifax shows that almost two thirds (63%) of first-time buyer mortgages completed in 2022 were in joint names (two or more people), leaving 37% as sole applications.

Continue reading on our website: https://www.fidelius.co.uk/news/article/first-time-buyer-profile-shifts-as-prices-rise

Are you aware of the potential fees when remortgaging your property? 🤔

It’s important to be aware of the added fees that could be involved with your house remortgage.

Additional fees to expect could include:
➡️ Exit fees
➡️ Early repayment charges
➡️ Arrangement fees
➡️ Legal fees
➡️ Valuation fees
➡️ Broker fees

If you’re unsure about any of the potential fees, your mortgage broker will be able to discuss this further with you.

Discover more of our remortgaging tips here: https://www.fidelius.co.uk/news/article/8-tips-for-remortgaging-your-property

Our mortgage advisers are frequently asked about the possibility of switching from a buy to let mortgage to a residential mortgage.

The answer is yes, you can. But it may require you to remortgage with another lender who is happy to offer you a residential mortgage on the property. 🏡

Some lenders will allow you to perform a ‘product transfer’, which is where you remortgage onto another of their products better suited to your needs.

Get in touch with a member of our friendly team to learn more: https://www.fidelius.co.uk/contact

Are you interested in acquiring a buy to let mortgage, but unsure where to start?

We've put together a guide which covers how buy to let mortgages work, as well as:

🏡 What deposit you'll need
🏡 How to get the best mortgage rate
🏡 The costs to consider

Read our buy to let guide here: https://www.fidelius.co.uk/news/article/our-complete-guide-to-buy-to-let-mortgages

If you’re looking for an expat mortgage, our friendly team at Fidelius Mortgages are on hand for every step of your journey.

Throughout your application, our advisers will be there to provide their expertise and answer any of your queries. 🏡

We can also help with any protection planning you may need.

Get in touch with us to learn how we can help you: https://www.fidelius.co.uk/expat-mortgages��

Interested in acquiring an expat residential mortgage, but unsure how to prepare?

Similar to acquiring an expat buy to let mortgage, there are several documents you will need to provide for your UK expat mortgage application to proceed.

You can expect to show:
✅ Proof of deposit (should be a minimum deposit of 20% LTV)
✅ Proof of identity (a colour copy of your passport/identity card
✅ Financial history and proof of income
✅ Proof of address or tenancy agreement

Be aware, some lenders may have the right to ask for additional information not listed above.

For more information or to get in touch, visit our website: https://fal.cn/3vr5u

If you're coming to the end of your mortgage term, get in touch with a member of our friendly Fidelius Mortgages team 🏠

By booking a consultation with us, our team can look at your circumstances and advise the best option for you!

If you've already fixed into a mortgage, but are within six months of your fixed rate coming to an end, we can help ✨

Get in touch to see if we can save you money compared to those who are on variable rates, here: https://fal.cn/3vn50 ��

Are you wondering what benefits there are to using a Fidelius Mortgages broker for your expat mortgage? ✨

Our specialist brokers can help:

✅ Provide insight into how overseas mortgages work.
✅ Professional advice on how to be accepted.
✅ Help avoid issues being a ‘non-resident’ buyer cause.

Plus, because we are independent, we can source you the best lender options that suit your needs.

Speak to a member of our expat team here: https://fal.cn/3vjNq

Do you know the benefits of working with an expat mortgage broker?

Your specialist mortgage broker will have access to all of the latest deals and offers, they can also:

✅ Provide insight into how overseas mortgages work.
✅ Help avoid issues being a ‘non-resident’ buyer cause.
✅ Offer professional advice on how to be accepted.

Discover even more benefits in our blog https://fal.cn/3vgt5

What is the affordability criteria for a buy to let expatriate mortgage?

There are a number of costs to consider when acquiring a UK buy to let expat mortgage, including:

🏠 A deposit of at least 25% (on property value).
🏠 Funds for management of the property.
🏠 Additional costs such as landlord insurance and ground rent.
🏠 Service charges on property maintenance.

A member of our friendly mortgage broker will discuss what matters the most to you during your consultation, so they can cater their searches to meet your needs and expectations.

Visit our website to learn more, or book a consultation, https://fal.cn/3vcMX

High inflation likely to constrain house buying in 2023 🏡

Mortgage lenders expect a “softer” market for house purchases in 2023 due to the rise in living costs and interest rates.

As a result, buyer demand is likely to be constrained until wages adjust, according to a market forecast from UK Finance.

For those buyers forced to wait, it may be some consolation that house prices are no longer escalating every month.

📉 In fact, the cost of the average UK home fell by 1.5% in December, according to the latest monthly report from Halifax.

Continue reading this story on our website https://fal.cn/3v8bg��

Are you unsure of the process of buying a property as a UK expat? 🏠

If you meet the mortgage criteria, here is a condensed version of what to expect:

1️⃣ Get an agreement in principle (AIP) to begin property hunting
2️⃣ Offer on your chosen property
3️⃣ Proceed with us on your mortgage application
4️⃣ Have your property valued by your chosen lender
5️⃣ A formal mortgage offer will be agreed

During the entire process, our friendly mortgage team will be on hand to answer any questions you may have.

Get in touch to speak to us today: https://fal.cn/3v5Fx

Are you a first-time buyer looking to acquire your first mortgage for spring? ☀️

Our friendly mortgage team are on hand to support you, while providing the very best advice.

As we’re independent, we can source the best lender options that match your situation and expectations. 🤝

Interested in learning more? Get in touch with us today: https://fal.cn/3v19x��

If your current mortgage product is coming to an end, now is the time to begin considering remortgaging. 🏡

Remortgaging is where you switch from one mortgage lender to another while remaining in the same property.

To help you, we’ve put together our top tips to help make the process as easy as possible. Click the link to read them, here: https://fal.cn/3uXDE

Are you interested in acquiring a buy to let mortgage?

Whether you're a UK expat or live in the UK looking to purchase a buy to let mortgage, our guide provides information on:

✅ How buy to let mortgages work
✅ What deposit you need
✅ How to get the best rate
✅ Acceptable deposit sources

Click the link to read our buy to let mortgages blog here: https://fal.cn/3uUEN

We've had another excellent review from a happy client!

Interested in seeing what the Fidelius Mortgages team can do for you? Get in touch with us today: https://fal.cn/3uR0a

Growing numbers of buyers and those renting prioritise energy efficient homes!

In a survey by YouGov for Legal & General, both tenants and buyers rated energy efficient, sustainable features as more important than the size of the property.

What’s more, prospective buyers and renters are willing to pay a premium for a home that ticks these boxes.

What do you think of this? Let us know below. 🤔

Continue reading more on this on our website: https://fal.cn/3uPfz��

From our team to you, Happy New Year! ✨

A big thank you to all our customers, followers and our staff for an amazing year. We can't wait to see what the new year brings.

Please note that our offices will be open from 9am on Tuesday 3rd January.

Are you wondering how Fidelius Mortgages can help you secure an expat mortgage?

Our friendly team specialise in expat mortgages and work with specialist lenders who offer the best mortgage deals to former UK residents and British expats.

Whether you’re an expat looking to get a residential or buy-to-let mortgage, our experts are happy to be at your service.

Discover how we can help you on our website: https://fal.cn/3uLlZ ��

If you're looking to acquire an expat mortgage, are you sure you have all the documents required?

The requirement for the correct documentation is more rigorous for an expat mortgage, so we advise you to begin collecting your documents in advance.

As standard, you can be expected to show your proof of identity, plus the following:

✅ Proof of income (from your employer OR 3 months of payslips)
✅ Proof of address or tenancy agreement
✅ Financial history (3 months of bank statements)
✅ Proof of mortgage deposit and how it has been built up

Please note, some lenders may have the right to ask for additional information not listed above.

Fidelius Mortgages will be closed for the holidays from, Friday 23rd December at 5pm to Tuesday 3rd January at 9am!🎄

From all the team, we hope you all enjoy the festive period, and we’ll see you in the New Year. 🎉

Looking to acquire an expat mortgage, and unsure if Fidelius Mortgage can help?

We are an independent, experienced, yet forward-thinking mortgage broker, with a combined experience of nearly 2 decades.

Our expert team averages over 300 mortgages per year for expatriate clients and can create bespoke insurance solutions.

Whether you’re an expat looking to get a residential or buy-to-let mortgage or need some advice on your next steps, our experts are happy to be at your service.

Visit our website to get in touch, https://fal.cn/3uBFW��

Are you an expat looking at buying property in the UK? 🤔

It can be tricky as an overseas worker to get a mortgage in the UK, but with our guide and our expertise, you can feel prepared and ready to start your expat mortgage journey.

Check out our guide here: https://fal.cn/3uuB4

At Fidelius Mortgage, we believe in establishing a lifelong commitment to our customers. But don’t just take our word for it, here's an amazing review from a happy client!

Get in touch with us today to see how Mike and the rest of our friendly mortgage team can support you: https://fal.cn/3uqSo

Unsure what deposit you need for an expat mortgage? 💭

For a UK expat looking to acquire a residential property in the UK, you will need a minimum deposit of 20%. This would give you more lender options and product rates.

You'll also need to provide documents, such as proof of identity, income and address.

Have more questions?

Speak to one of our trusted advisers today, here: https://fal.cn/3umZG

Is one of your goals for 2023 buying a new property? 🏡

Whether you’re a UK resident or a UK expatriate, the friendly team at Fidelius Mortgages is here to help.

We can advise on how much you can borrow, answer any questions along the way, and we can even liaise between you and your conveyancer. 🤝

Get in touch today to see how we can help you: https://fal.cn/3uj7h�

Do you know the benefits of working with a friendly and knowledgeable mortgage adviser? 🤝

To receive a wider range of expat mortgage options, a specialist mortgage broker will have access to all of the latest deals and offers.

While they may add additional fees to the process, they could provide you with a far greater chance of not only securing a mortgage, but also securing a mortgage at a more reasonable rate. 📃

Check out more of the benefits of using an expat mortgage broker in our blog here: https://fal.cn/3ufcb

Is your mortgage term coming to an end, and you’re unsure what you need to do to remortgage?

In our latest blog, we share our eight remortgaging tips to help make the process as smooth as possible, including:

✅ The potential fees to expect
✅ The information and paperwork you may need to provide

Check them out here: https://fal.cn/3ubFj��

Five-year mortgage rates fall back below 6% 📉

Moneyfacts, the financial information service, confirmed the average five-year fixed mortgage deal fell below 6% for the first time in seven weeks on Tuesday, and remained there on Wednesday.

Despite the fall, rates are still high compared with this time last year.

If you'd like to discuss your mortgage or need advice, get in touch with us today https://fal.cn/3u7LC