I am an expat with a low level of personal income. I own a property in the UK & would like to release cash from it. Is this possible? Quite a number of expats can feel a little stuck especially if they are living off their pension income and or investments, and...
Is there a maximum number of properties I can have mortgages on in the UK as an Expat ? The simply answer to this is NO, there is no maximum, there are some lenders that are called ‘Portfolio’ Specialist Lenders, so they can take multiple properties that are...
I live in Spain, can I have a mortgage in the UK and Spain at the same time? Absolutely you can, it is easier to obtain finance in the UK, especially if you want to purchase or remortgage with the intention to let the UK property out, thereby the UK bank will consider...
I'm a UK Expat residing Overseas, can I buy a UK property to rent and use personally? Ah..Ha this is one of my favourite questions… why !! you may ask..UK properties for expats: well up to recently mortgages fell into two camps either 1) Owner Occupier or 2) Buy...
I'm an expat with a UK mortgage on repayment, how difficult is it to switch it to interest only? This is fairly easy and can be done usually pain free especially if the property is being rented out and you can prove a level of personal income wherever you...
I'm an Expat and my bank wont let me switch my deal or remortgage, can you help? Switching mortgages as an Expat This is not a surprising issue that many Expats face. Unaware of the consequences, expats may be speaking to their bank and alert them that they reside...
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.
04:33 25 May 21
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.
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
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 👍🏻👍🏻👍🏻👍🏻👍🏻
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.
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.
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.
08:32 18 Nov 20
Just secured our BTL expat mortgage through Simon. What was a dream earlier in the year is now a reality and hopefully we complete on our UK BTL property next week! We would not hesitate to recommend Simons professional services. No nasty surprises and complete transparency throughout the whole process. Thank you Simon
07:08 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
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.
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.
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.
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!
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.
16:06 21 Feb 20
Very helpful, proactive and attentive. Recommend
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.
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 .
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
11:09 08 Feb 20
19:37 07 Feb 20
16:51 07 Feb 20
Can not say enough good things about working with Simon, was a real pleasure will definitely use him again.
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...
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.