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  • Up to 95% LTV
  • Non UK passport / Visa Workers
  • Complex Income Credit
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Simon Murphy - MyMortgageDeal.co.uk
4.8
Based on 40 reviews
Brillant, hassle free, time saving, excellent rates, quick, beyond my expectations... I can't recommend enough MyMortgageDeal.co.uk and Simon as an expat and foreigner for UK mortgages. I have already used their services twice !Back in 2021 to buy a residential property for my family during troubling time when he secured me a deal that I couldn't hope for due to my circumstances and in a speedy time even compare to UK residents and British nationals ! The whole process was extremely clear from A to Z, Simon explained all the details along the way and answered easily all my questions. I felt very good he knows his thing with expats situations and all the good "tricks". He handled everything and transform a daunting process into a dream path for my family and myself.2024, time for a switch rate. UK government and banks have made life even more difficult for expats and foreigners. After trying to do it myself wasting my time with searches and multiples calls, I finally went again with Simon. In less than a week, after a 15min call, the switch rate was done ! He secured me a top 5 new rates among the UK resident mortgages. Incredible.I will certainly call him again for future operations with properties.
Mike
05:41 18 May 24
Simon has been absolutely fantastic, he’s been very helpful and provided a step by step guidance which at times was a blessing as starting to purchase a property overseas is going into the unknown.He was very very patient, he was always available, by phone text or mail.I cannot speak more highly of him, thank you so much.
chris B.
12:15 17 May 24
MyMortgageDeal and Simon helped me find and secure a mortgage after been turned down by numerous banks in the UK due to my situation of working overseas in the middle east.MyMortgageDeal and Simon has been excellent and professional from the first email to securing the mortgage and property. They provided me with an excellent step by step process of what I needed to do, gave me timely feedback in lay terms which I could understand and was very quick in replying to emails and phone calls.I would highly recommend MyMortgageDeal and Simon for any people in complex situations working abroad looking to get a property in the UK.
Paul F.
15:19 03 Apr 24
Excellent Service and Very Professional! As a foreign buyer, the process of obtaining a mortgage in the UK can be very daunting and difficult nowadays! But Simon has been able to find me a good deal and has been very supportive throughout the whole process. He has guided me carefully at every step and today I am the proud owner of an amazing property! Highly recommended!
Isla H.
11:32 14 Mar 23
Absolutely brilliant service from both Alison and Simon. Have recommended their overseas mortgage service to my friends and I look forward to utilising their services in the future. Highly recommended.
Shane B.
18:34 13 Feb 23
Simon found the best ex-PAT mortgage deal on the market for us and guided us carefully through the application process. First class service. Highly recommended!
Andrew A.
15:29 18 Oct 22
An excellent service which worked for me!After months of trying without success, Simon was able to secure the remortgage.
Steve G.
18:55 30 Aug 22
Can’t thank Simon enough for helping my family get the expat mortgage. He was extremely efficient and approachable and went to every effort to support us whilst residing in the UAE. Highly recommend Simon’s excellent service.A Khan
Afsha A.
20:31 29 Apr 22
Simon has done an amazing job in securing both BTL and residential mortgages for me. As an expat, this can be challenging. Simon displayed knowledge and experience in navigating the process.
Tariq D.
19:59 26 Apr 22
What an amazing, fantastic support ! Simon and his team are always chasing for your benefit. Due to the Brexit, expat mortgage case became increasingly challenging. Simon succeed very well in due time. As an expatriate, he managed to explain complex things with very easy word. It was a full success for me. I really want to declare to all expatriate: “ Do not hesitate to consult a mymortgageDeal.” . For Simon and Paul, THANK YOU VERY MUCH!!!
Eric P.
17:07 25 Nov 21
I would highly recommend Simon at My Mortgage Deal! A very professional service, fast response time, explained everything clearly, helped me get all the correct paperwork I needed and speeded up the process by constantly chasing status of my mortgage application. Thanks for all your help Simon!
Jo K.
10:43 02 Nov 21
Being a bit old and living in Portugal, we were always going to have difficulty trying to get a buy to let mortgage on a UK property.Simon found us a lender and helped us with the formalities. Any small hiccups were dealt with very promptly, including liaison with our solicitor, we have now completed our purchase.Thank you Simon,Andrew and Stephanie.
Andrew J.
11:05 24 Aug 21
We really appreciated the support Simon gave us to obtain a mortgage for a property in the UK when we had been told by all of the main high street lenders they could not do this for us. We are living and working overseas and if you are an expat then we can thoroughly recommend Simon to help you.
Ian F.
13:48 03 Aug 21
My Mortgage Deals and Simon Murphy provided me with an excellent quality of service. I got a mortgage product that was aligned with what I wanted. Simon is very experienced and competent. He gave me guidance and advice throughout the process. He is professional and ethical. From now on he will be my mortgage broker and my number one recommendation.
Ioannis S.
04:33 25 May 21
Barry N.
09:42 13 Apr 21
From the very first moment until completion day, Simon provided professional, attentive and responsive service.He was very helpful and most dedicated to finding the best solution to any problem during the process.I strongly recommend his excellent service.Thank you Simon!
Anat Guy R.
10:08 03 Apr 21
A very huge Thank you to Simon for help me to got the best mortgage offer from lender for my residential property. It’s quite difficult to applying mortgage solely by expat income in my case but finally done. His professional knowledge make the process seamlessly and his responsive more than a broker even help to explain the mortgage application situation to my property agent. I would be recommend mortgagedeal Simon to all of you.
Wai Chung W.
12:11 10 Feb 21
Brilliant service from Simon, managing mortgage applications from beginning to completion. Always kept updated on status, and lenders' queries were actioned promptly.I would recommend Simon's services with no hesitation.
Salah H.
11:47 10 Feb 21
Simon has been exceptional in helping us through the whole mortgage process for our cottage in Wales. From choosing the right lender to navigating through all the challenges homebuyers are facing in these difficult times, his support and advice has been prompt, unwavering and extremely useful. I am positive this house purchase would not have been positive without his help. Recommended highly! Samreen Uppal
Ajay J.
13:06 17 Dec 20
Absolutely superb service - Simon arranged a very competitive product for us and has been highly professional and proactive throughout the process. Highly recommended if you are resident overseas and want to arrange finance for a UK purchase 👍🏻👍🏻👍🏻👍🏻👍🏻
Andrew M.
03:46 16 Dec 20
Simon was great to deal with, responsive and helpful throughout the process and secured an expat remortgage at a much better rate, all from overseas. Thanks.
Iain D.
23:19 15 Dec 20
Simon delivered us an expat buy-to-let in the NE UK at a fixed low rate for 2.5 yrs, then we can change it to move home. Very straight forward, highly professional and, tbh, well worth the fee.If you want it to happen, just message him, as we did. He recommeded a law firm that we used too - did the job and were very competitive. Thanks.
jon H.
23:53 26 Nov 20
I work overseas and have been trying for close to five years to get a mortgage to move my family who are back in the UK into without success, due to my overseas income until I chanced on Simon online. In spite of the challenges with Covid and my busy schedule Simon was very helpful and held my hands throughout the mortgage process to completion. I got a super A plus UK prime mortgage. This is the best financial service support I have received in my entire life. It was an amazing experience.
Joseph I.
08:32 18 Nov 20
My experience with Simon at mortgagedeal was excellent. My husband and I are expats living in Nigeria. We wanted to buy a residential property in the Uk. No mortgage broker wanted to deal with a Nigerian resident earning an income in naira even though we had other property in UK with an excellent credit and had lived in the UK most of our lives before moving. We found a property we liked and had gone far when the lender told us they could not accept an income denominated in naira. We had nearly given up but I thought I would give it a last try. I found Simon on the internet and was a bit sceptical because of our experience. Simon assured us that he could get us a mortgage or he would give us back our money. We got a rate of 1.64% fixed for 5 years. We have our mortgage offer and are will exchange later this week. The whole thing has been nothing short of a miracle
Folasayo O.
17:35 17 Nov 20
The service Simon provided in securing our expat mortgage was second to none. He kept us informed every single step of the way and provided a quick and clear response to all of our queries. From mortgage application to moving in took just 8 weeks, which is pretty impressive during a global pandemic. From beginning until end Simon and his team took care of everything and I highly recommend his services.
Tam B.
17:15 17 Nov 20
From initial contact to completion day, buying a property with Simon's help was so easy. He was very knowledgeable, up front and realistic, and extremely helpful, answering questions promptly. He always made us feel like we were in capable hands and could trust him to act in our best interest. Even the challenges Covid-19 presented didn't phase him.
Angela C.
21:17 23 Sep 20
Simon was very efficient and personal, he made the whole process seamless and stress free! Definitely recommend any expats use Simon in the future.
vaughan P.
16:52 21 Jul 20
5 stars is not enough to rate the way in which Simon listens to your requirements and truly engages to find the best solution.My case was not without challenges: a UK expat with a divorce settlement to pay ; a London flat with a lease <85 years and an unhelpful co-freeholder.With patience and perseverance, Simon found a lender and a mortgage deal with very good terms. Always realistic and pragmatic, he made sure that my application successfully completed – even during the restrictions imposed by COVID 19 pandemic!
Nicolas R.
11:59 11 May 20
Simon dealt with my mortgage application in an efficient and friendly manner. I did not believe it was possible to get a residential mortgage in the UK whilst living abroad, Simon found the necessary options and took the stress of applying away. He kept me in touch with each stage of the process, and today I received the good news that my mortgage has been approved. I would certainly go through Simon again, if I needed a new mortgage.
Karen S.
16:06 21 Feb 20
Very helpful, proactive and attentive. Recommend
Tina E.
14:15 19 Feb 20
Simon took time to explain and guide me through the process of remortgaging. The whole thing was quick,efficient and stress free.
Alison H.
13:58 11 Feb 20
Fantastic hassle free mortgage provider , I wouldn’t recommend anyone else , first class from the first contact to the completion of our mortgage .
Kevin P.
21:08 08 Feb 20
Simon provided a first class service and saved me a significant amount on my mortgage deal.I had a change in personal circumstances while the mortgage application was being processed. Simon dealt with this patiently and promptly.Communication throughout was excellent, I always knew what was happening.Can’t recommend him highly enough
Mark K.
11:09 08 Feb 20
richard T.
19:37 07 Feb 20
Chris K.
16:51 07 Feb 20
Can not say enough good things about working with Simon, was a real pleasure will definitely use him again.
Wesley O.
16:12 07 Feb 20
I can personally vouch for Simon, having worked with him we found him to be incredibly resourceful, he really cares about providing you with the best services available, he's extremely knowledgeable, makes everything seem easy, explains and communicates very well... generally great person to work with...
Catherine K.
15:19 07 Feb 20
Excellent service, secured me an ex pat BTL mortgage very quickly, explained process from start to finish and was always available. Will use again and highly recommend.
Robert V.
15:14 07 Feb 20
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Don’t Settle For Less

90%+ LTV for Non UK national

Skilled visa workers are under served by many lenders in the UK but we have deals that can support them!

Features

  • Visa workers accepted

  • No min time in UK

  • ILR not required

  • ANY nationality considered

  • 95% LTV exclusives

Case Study

Natalia & Jose, non UK nationals on Health & Care Visas had combined earnings of £65K p.a. They were able to borrow 90% LTV – £275K against £306K purchase price in the Midlands, combined with an overseas gifted deposit from family in Portugal.

Charge Forward

Self Emp with only 1 Yrs Accounts

Clients on new or variable income are regularly overlooked by their bank. Not any more — we can help!

We support:

  • Day Rate Contractors

  • Bank/Locum Workers

  • Retained Profits accepted

  • Zero Hour Contracts

  • Yr2 Projections assessed

Case Study

Tom a Plumber in North East had 12 months accounts with a further year 2 projection from his accountant. His earnings were in region of £40K net profit with £45K projected in year 2.
We secured Tom a mortgage of £170K (80%) against £215K purchase price as a first-time buyer with a gifted deposit from his Father.