Property & Expat Mortgages
We work with a global panel of Property Developers to ensure maximum diversity at an industry-leading standard.
Our extensive due diligence is not just about numbers; it's about understanding your unique investment goals. This tailored approach ensures that the global property portfolio we build for you is as tax-efficient as possible, making you feel valued and understood.
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Below, we have outlined what we look for in the location and quality of a particular development before making it available to clients. This process ensures that investment yield and capital appreciation consistently meet our client's needs and expectations.
Expat Mortgages: Financing International Buy-to-Let Property
Investing in international buy-to-let property, whether in the UK, Germany, or Cyprus, is a significant step in building wealth and diversifying your portfolio. However, securing an expat mortgage in a foreign country can be challenging, especially for those unfamiliar with local regulations and lender requirements.
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At My Intelligent Investor, we specialise in tailored expat mortgage solutions. We provide expert advice to help you navigate the complexities of international property financing, from understanding eligibility criteria to securing the most competitive rates and terms. Whether you’re buying your first property or expanding your portfolio, we ensure a seamless and stress-free experience.
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We align your expat mortgage with your financial goals and long-term plans, helping you secure an investment that works efficiently for your future. Let us simplify your journey toward owning an international buy-to-let property confidently and easily.
What Should I Consider When Looking For A Buy-To-Let Property Investment?
01
Corporate Relocation
Over the last decades, the world's leading corporations have been relocating their main bases of operations from their nations' capitals to other major cities.
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A new work from home culture, vastly improved transportation and government incentives and cheaper commercial rent outside capitals, have accelerated this corporate migration.
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In turn, this has created a new demand of high quality units in city centre locations in new and thriving commercial hubs.
02
Transport Links
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Cities with multiple forms of national and international transport will always be attractive to professionals and the affluent.
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High-speed rail, road, tram, and airport links all provide quick and easy access to key destinations, both business and pleasure.
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Education & Student Retention
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Cities with recognised universities have a key advantage in their future growth, especially when their rates of student retention and conversion into the professional community are high.
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Additionally, students who extend their studies into postgraduate courses typically desire a higher standard of living in contrast to typical student accommodation.
04
Developer Track Record​
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No-one wants to buy off-plan, only to realise that it will never complete. Or, to hand over on a property and find out the build quality has been significantly under-delivered. For us, this is one of the most important factors when recommending a project, or not.
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Most leading developers will have their own contractors to ensure they complete on time and within budget. With this safeguard in place, investor confidence naturally follows.
Real estate cannot be lost or stolen, nor can it be carried away. Purchased with common sense, paid for in full, and managed with reasonable care, it is about the safest investment in the world.
Franklin D. Roosevelt
Expat Mortgages
Buying a property in another country has its challenges.
Eligibility Criteria​
When applying for an expat mortgage, your residency status is crucial. Different lenders have varying requirements; some may only consider permanent residents, while others accept non-residents. Stable employment with a reputable company enhances your chances of getting approved. Self-employed expats, however, might face stricter scrutiny.
Interest Rates and Fees
Interest rates for expat mortgages can be higher than for domestic ones. Compare different lenders to find the best rate. Additionally, be aware of extra fees such as arrangement fees, legal fees, and valuation fees.
Interest Rates and Fees
Interest rates for expat mortgages can be higher than for domestic ones. Compare different lenders to find the best rate. Additionally, be aware of extra fees such as arrangement fees, legal fees, and valuation fees.
Loan-to-Value (LTV) Ratio
Expats might need to provide a larger deposit, often around 25-40% of the property value. Understand the LTV ratio offered by the lender, as it impacts the amount you can borrow and the interest rate.
Legal and Tax Implications
Ensure compliance with local property laws and regulations. Hiring a local solicitor might be beneficial. Understand the tax implications in both the country where the property is located and your home country. Double taxation treaties can affect your liabilities.
Repayment Terms​
Check the maximum loan tenure offered by lenders. Some might have shorter terms for expats. Consider whether the mortgage is a repayment or interest-only mortgage, as each has different implications for monthly payments and long-term costs.
Expat equity release
Expat equity release allows homeowners living abroad to unlock the value tied up in their property back home without needing to sell it. This option has become increasingly popular among expats as it does not trigger capital gains tax and can help reduce inheritance tax liabilities. Over the last few decades, property prices have surged significantly, increasing the equity held in homes.
By tapping into this growing value, expats can access funds for home improvements, investing in further property, or enhancing their retirement lifestyle. Working with a financial advisor experienced in both UK and international markets ensures that your equity release is aligned with your long-term financial goals, making the most of the wealth built in your property.
Transport
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Cities with multiple forms of national and international transport will always be attractive to professionals and the affluent.
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High-speed rail, road, tram, and airport links all provide quick and easy access to key destinations, both business and pleasure.
Tailored Expat Mortgage Solutions in the UAE
Securing an expat mortgage as a resident of the Middle East doesn’t have to be overwhelming. At My Intelligent Investor, we offer tailored mortgage services designed specifically for expatriates.
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Our professional advisors guide you through the process, from understanding eligibility criteria and lender requirements to identifying the best mortgage options for your goals. We provide access to competitive rates with flexible terms, ensuring your expat mortgage aligns with your financial objectives while removing the complexities of the process.
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With My Intelligent Investor, you’ll find the support you need to make confident decisions. Start your property investment journey today, and let us help make your dream a reality.
Why Use My Intelligent Investor for Your Expat Mortgage?
Securing the right expat mortgage for an international property can be daunting, especially when navigating unfamiliar regulations. At My Intelligent Investor, we take a personalised approach, offering tailored advice and access to the most suitable mortgage options, no matter where you plan to invest.
Our team simplifies the process by helping you meet eligibility requirements, gather the necessary financial documentation, and understand lender expectations. With in-depth knowledge of global expat mortgage markets, we secure competitive rates and terms aligned with your financial circumstances and goals.
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Whether you’re purchasing your first property, investing in real estate, or refinancing an existing mortgage, our client-focused service ensures a stress-free experience.
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Transparency and professionalism are at the heart of everything we do. Trust us to turn your property aspirations into reality, wherever they may be.
1. What are the requirements for expat mortgages in Dubai?
While requirements can vary, some regular ones are proof of income, a good credit history, and a valid residency visa. My Intelligent Investor will guide you through the requirements based on your situation.
2. How can I secure the best mortgage rates as an expat in the UAE?
You may need a good credit score to get the best rates, but we will compare offers from various lenders. Direction from a professional like My Intelligent Investor is crucial.
3. What services does My Intelligent Investor offer for expat mortgages?
With our partners, we offer comprehensive expat mortgage services, including eligibility assessment, lender comparison, and document preparation. We also help secure competitive rates and favourable terms, ensuring a smooth mortgage process.
4. How does the mortgage process work for expats in Dubai?
It includes determining eligibility, getting a pre-approval, and finding your desired property. Once approved, the lender will send a final offer, and the property will be transferred to you. My Intelligent Investor will guide you through every process, making your experience streamlined and hassle-free.
FAQs
Start Your Journey to Home Ownership Today
Buying property is a major milestone, but it can also be smooth and rewarding. At My Intelligent Investor, we specialise in helping expatriates navigate every step of the expat mortgage process, regardless of their location.​
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Our experienced advisors help you understand eligibility criteria, secure competitive terms, and easily meet lender requirements. We ensure your mortgage aligns with your financial goals, providing a successful and sustainable outcome.
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Whether you’re purchasing a new property or remortgaging an existing one, My Intelligent Investor is your trusted partner for all expat mortgage needs.
Let us help you make your dream of owning property worldwide a reality.