• Tim Earle

【港人申請英國按揭能否成功?】Can Hong Kong Buyers Get UK Mortgages?



如果您是正考慮買英國樓,想知道海外人士是否有資格獲得按揭貸款,答案是當然啦!


一向以來,英國的主流和專業貸款機構都有為非本地居民提供按揭貸款。但是,利率和條款的差異可以很大,這取決於申請人的財務狀況。申請人愈能提供財政資料(包括收入),愈大機會享有更好的利率和條件。有時在個別情況下,對沒有收入證明的人, 中介會接觸某些放貸公司,它們可能會考慮。所以,使用經驗豐富的按揭中介是十分重要。


專業按揭中介對客戶的財務狀況進行詳細評估和了解每個貸方的標準後,會相應地配合其客戶。這樣不但能確保申請成功,也能獲取最佳利率和條款。


雖然經紀會收服務費,但該費用應只在申請成功及收到按揭議案後才支付。此外,專業的按揭中介通常能提供最優惠利率,但這些優惠利率並非從坊間直接找到的。這樣做,可以替您在最初期的按揭期限內節省數千英鎊的利息,其實這筆錢已可當作經紀的服務費了。申請人無需親身前往英國也可完成所有程序。


WhatsApp: +44 75347 44004 (Jean)

Email: Contact@StarfishPropertyInvestments.com

🇬🇧【 幫您搵英國樓 FIND YOUR UK PROPERTY 】🏡

https://www.facebook.com/groups/FindYourUKProperty/?ref=share

【投資/自住項目】

LONDON:

Wimbledon SW20: https://www.starfishpropertyinvestments.com/london-wimbledon-sw20

Golders Green NW11: https://www.starfishpropertyinvestments.com/london-wimbledon-sw20

MANCHESTER https://www.starfishpropertyinvestments.com/manchester-salford

BIRMINGHAM: https://www.starfishpropertyinvestments.com/birmingham

KENT: 即將推出 密切留意!

PORTSMOUTH: 即將推出 密切留意!

EDINBURGH: 即將推出 密切留意!

【£100k以下低門檻投資】

SHEFFIELD https://www.starfishpropertyinvestments.com/sheffield-student-accommodation

BRADFORD, WEST YORKSHIRE: https://www.starfishpropertyinvestments.com/bradford-west-yorkshire


【一條龍租/買樓】+ 【專為香港人而設的按揭貸款】

https://www.starfishpropertyinvestments.com/bno-uk-property-search


#英國置業 #投資英國 #海外買家 #英國租樓買樓 #英國地膽 #一站式服務 #一條龍服務 #專為香港人而設的英國按揭貸款 #英國按揭轉介海外人士人 #香港人成功申請英國按揭 #英國按揭無收入證明 #UKMortgageApplication #UKMortgageReferral #UKNonResidentMortgage #UKMortgageHongKongResidents #UKMortgageForHongKongBuyers #UKBuyToLetMortgage #UKMortgageNoProofofIncome


If you are a Hong Kong buyer considering buying UK property but are wondering if non-residents can qualify for a mortgage, the answer is YES!


Mortgages for non-residents have long been available in the UK from a range of mainstream and specialist lenders. However rates and terms vary widely depending on the lender and the applicant’s status. The more information an applicant is able to provide (including income), the better rates and terms they will be able to obtain. However specialist brokers will often also have access to lenders who will consider those without proof of income, subject to terms and conditions.


This is where the importance of using a highly experienced mortgage broker is vitally important.


A specialist mortgage broker will understand the criteria of each lender and will match their clients to them accordingly. Having conducted a detailed appraisal of their client’s financial position, they will ensure the client’s application is presented in the correct way to the lender. This is very important in accessing the best rates and terms for the applicant and to help ensure a successful application.


Whilst the mortgage broker will typically charge a fee for their service, this fee should only be payable on the successful offer of a mortgage. In addition, specialist mortgage brokers are often able to offer preferential rates not always available directly from the lender. This can save thousands of pounds in interest over the course of the initial term of the mortgage, meaning the broker fee often pays for itself. When it comes to the application, all procedures and documentation can be completed without the need to travel to the UK.