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Securing an excellent mortgage offer with Revolution Finance Brokers couldn't be easier

1Get in Touch

Complete a quick form to give us an overview of your mortgage or financing requirements, and we'll provide recommendations about the best opportunities for you.

2Submit Your Application

Once you've chosen your preferred mortgage deal, we'll steer you through the paperwork with comprehensive application management from start to finish.

3Mortgage Completion

Revolution Finance Brokers will finalise the details and enable you to move forward without delay!

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Choose your mortgage type

Mortgage Calculator Guide for Expats

Free online calculator to support expats examining their mortgage options and seeking independent guidance about how much they can borrow, the monthly repayment costs, and the right lenders to fit their mortgage needs.

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How can Expats Benefit a Mortgage Calculator?

Many clients come to Revolution Brokers having used an online calculator, and received misleading results.

While expat mortgage calculators can be useful, they are only ever indicative. It is never wise to make an application based on an estimate, as this can result in being rejected for lending, and negatively impacting your credit score.

Let's explain where mortgage calculators for expats can be useful, and how to use them to your advantage.

How Do Mortgage Calculators for Expats Work?

Mortgage calculators need a few critical pieces of information, such as:

Your income
How much deposit you have
How long you want the mortgage to run for
A rough idea of the mortgage rates payable

Most information is available online, but it's worth remembering that the rate you are likely to be offered might vary significantly, as it all depends on your circumstances.

Explore Your Mortgage Options

Property or loan details

What's the application type?

Purchase
Remortgage (with Capital Raising)
Remortgage (without Capital Raising)

What's the Interest Cover Ratio (ICR)?

BTL HMO

What's the property's estimated purchase price or valuation?

Error: Property must be valued at £50,000 or more.

What's the property's estimated monthly rental income?

Error: Estimated rental income must be between £1 and £99,999.

Based on your details, you can borrow up to:

£0

Get a Quote

This calculator is an estimation of how much you could borrow. If you’re ready to take out a mortgage, speak to a Revolution brokers to see what options are available.

What Do I Need to Know to Use an Expat Mortgage Calculator?

Mortgage providers all have a set of criteria they need applications to comply with before they can be approved. Mortgage calculators cannot consider every aspect of your application, but they usually look at:

How old you are.
Your employment status and income.
Your credit rating or history.
What type of property you want to buy.

These criteria are not unique to expat mortgages, but other factors will have a more significant impact on your chances of approval, and what rates you are offered:

Your Status as a Homeowner - If you already have a UK property, you are in a better position. Lenders will often accept a second charge against an existing home as a way to reduce the deposit required on an expat mortgage to around 25%.

Should you not be a homeowner, you're likely to need a deposit around 35%.

How Currencies are Likely to Change - Lenders will need to know where you live, since if the currency is volatile, it might dramatically change your ability to keep up with your mortgage payments.
Should I Get a BTL or a Residential Expat Mortgage? - If you need a residential expat mortgage for a home to live in, you will be offered different rates and terms than if you want a buy to let expat mortgage to invest in a buy to let property.
Is it Better to Take Out a Purchase Mortgage, or a Remortgage? - Again, this will change how much you can borrow, what products are suitable, and what interest rates a lender might offer. Generally, a remortgage is more straightforward and easier to qualify for then a purchase mortgage as an expat.

What are the Benefits of Using an Expat Mortgage Broker?

A broker is the next step once you have used an expat mortgage calculator to get a rough idea about what you can borrow, and how much the repayments might be.

There are multiple reasons a broker offers a more tailored service than a generic mortgage calculator:

Recommendations consider all lenders on the market, rather than offering a small number of brokers tied in with the calculator service.
Revolution considers your circumstances and will recommend the lending product we think is best suited, and most cost-effective - even if that isn't a mortgage.
The team are highly experienced in expat mortgages and can provide invaluable advice and help with negotiating rates.

Expert Advice for Expat Mortgages

Are you keen to invest in a new property, purchase a UK home, or expand your investment portfolio as an expat living overseas?

Contact the mortgage advisors team today on 0330 304 3040 or email us at [email protected] for independent, expert advice.

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Securing an excellent mortgage offer with Revolution Finance
Brokers couldn't be easier:

PROCESS

Revolution Mortgage Brokers:
100% Independent & Whole-of-Market

As specialist mortgage brokers for a huge variety of applicants, the whole-of-market consultants at Revolution provide access to an exceptional range of lenders, products and mortgage deals. That means you get the advantage of professional negotiation and broker-exclusives through an established lending network to ensure we always find you the most competitive mortgage available.

REFERRALS

Refer, Relax, and get £50

If you refer a friend for a mortgage or anytype of finance you’ll both receive £25 each when their
new application successfully completes.

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Ask the Expert

Mortgage Brokers

Revolution Mortgage Brokers understands that mortgages can be complex and confusing! Ask us any question you might have, and one of our skilled consultants will come back to you as quickly as possible.

What can we help you with today?

Do you have a particular timescale in mind?

Which situation from the below list best matches your requirements? *

Could you tell us the market value of the property?*

Please let us know a rough idea of your yearly income (before tax) for all applicants? *

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Primary applicant name *

Contact email address *

Best contact number *