At Rettie Financial Services, our international mortgage services are designed to support clients from around the globe in securing property in the UK. Whether you're purchasing a home or investing in a buy-to-let property in the UK, our expert team is here to help you navigate the mortgage process with ease.
Whether you're buying your first home in the UK or upgrading to a new property, we offer tailored mortgage solutions to meet your needs. Our experienced advisors will help you find the right mortgage, considering factors such as local regulations and your residency status.
Need to transfer your existing mortgage or access equity in your property? We can assist with seamless remortgaging options. Whether you’re looking to reduce your interest rate or unlock equity for home improvements, our team is here to help.
Not ready to remortgage? You can register for our free mortgage comparison and monitoring services today. We'll monitor your current mortgage for you, giving you peace of mind that you’re on the right deal, every month.
For international landlords and property investors, we offer a range of tailored mortgage products. Whether you are acquiring your first rental property or expanding an established portfolio, our team provides expert guidance to help you invest with confidence.
As well as supporting you to secure the perfect mortgage, Rettie Financial Services can help you with a full range of protection products. Book your free initial financial services consultation today with one of our Mortgage and & Protection Advisors.
Our international mortgage service extends to the following countries:
(*Additional criteria may apply. Our ability to provide advice is subject to local regulations and may change without notice.)
Applicants must be over 18 years old to apply, with a maximum repayment age of 70. If your mortgage term extends beyond this age, you will need to demonstrate sufficient income, such as pension or other financial resources, to cover repayments.
Depending on your country of residence, a credit bureau report may be required as part of your application.
Yes, Lendors cannot approve mortgage applications if you have experienced serious financial difficulties, such as bankruptcy, repossession, court judgments, or defaults on previous mortgages.
To qualify, applicants must have a minimum income of ÂŁ75,000 (or equivalent in GBP). This income can come from employment, investments, or a pension.
Deposits must be sourced from your own funds. Gifts and builder’s cashbacks are only acceptable if they are supplementary to a minimum 25% deposit from your personal resources.
Yes, buildings insurance is a condition of the mortgage. We also recommend considering contents insurance and creating a will to protect your assets.
Applicants must be employed or demonstrate a steady source of income sufficient to support mortgage repayments.
Our team will review your household income, outgoings, and financial commitments, such as loans or maintenance payments, to determine how much you can borrow.
Beyond the interest rate, consider associated costs like lender fees, valuation fees, solicitors' fees, and potential taxes such as Stamp Duty or Land and Buildings Transaction Tax (LBTT). For second homes, the Additional Dwelling Supplement may also apply.
Yes, product fees can be added to your mortgage, but they cannot exceed the maximum loan-to-value ratio, and interest will be charged on the fee. We also offer mortgages with no product fees.
After your initial consultation, we will provide an Agreement in Principle, which gives you an indication of how much you can borrow. However, this is not a formal loan offer and does not commit you to applying with us.
Once your application is submitted with the required documentation, we handle all communication with the lender and provide regular updates. Once approved, you will receive the mortgage offer to review, with a copy sent to your solicitor.
We understand that every international property journey is unique. That’s why we’re with you at every stage. Whether you're securing a mortgage for a new home in the UK, investing in UK property, or navigating complex international regulations from afar, Rettie Financial Services has the expertise and experience to provide a tailored service designed to meet your specific needs. No matter how complex your challenges, we are here to ensure your international mortgage process is seamless and successful.
We excel in speed, expertise and customer satisfaction. Our commitment to you extends beyond transactions, providing both financial and emotional support throughout your journey.
We bring a personal touch to every interaction, taking time to understand and address your unique financial requirements. No matter how complex and intricate your needs, we have the know-how and experience to identify and deliver an innovative personal solution that’s right for you.
Our highly experienced Mortgage & Protection Advisors have a proud track record in delivering a supportive, quick and hassle-free service, evidenced by a constant stream of 5 star reviews from our satisfied clients.
Rettie Financial Services Ltd is an appointed representative of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited which are authorised and regulated by the Financial Conduct Authority.
Rettie Financial Services Ltd. Registered Office Address: Deuchrie, Dunbar, East Lothian, United Kingdom, EH42 1TG. Registered in Scotland Number: SC711925.
There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1% but a typical fee is 0.3% of the amount borrowed.
For insurance business we offer products from a choice of insurers.
Your home may be repossessed if you do not keep up repayments on your mortgage.