There's lots of products out there. Here's a good starting point;
Andy Fleming
RBS International
Guernsey, GY1 4BQ
Tel: + 44 (0) 1481 702574
Also barclays (hk), Shanghai commercial, RBS singapore, HSBC premier and there's a few more... Off shore banks lend a minimum of 100K, if you want a smaller mortgage try HSBC premier or a domestic product. Domestic mortgages available from BM and maybe some others, though off-shore ones are cheaper.
John Emmett Cert PFC
International Mortgage Plans
Surrey, KT13 OUA
Mobile + 44 (0) 7989329457
Tel + 44 1932 830660
Website www.international-mortgage-plans.com
Anthony Burke
Charlton Financial Services Ltd.
Head Office: Charlton Financial Services Ltd., Arcadia Business Centre,
Miller Lane, Clydebank, Glasgow, G81 1UJ. Tel: 0141 941 3255
Stuart Marshall .
Liquid
stuart@liquidexpatmortgages.com
UK Mobile : + 44 (0) 77348 70883
Tel: +44 (0) 161 633 5009
Complete Limited – Your Property Finance Partner
paul.carter@complete-ltd.com
12th Floor, 88 Gloucester Road, Wanchai, Hong Kong
Tel: +852 3965 9365 | Mobile: +852 9348 2108 | Fax: +852 3965 9399
You can also apply through a mortgage broker for a fee and will often be advised to re-finance at a later date, which leads to more fees....
I am not a one of the people mentioned above and nor am I a broker, but have talked to the above people when researching UK mortgages. There are a lot more brokers out there, so do your research... I recommend you call all of the above people and for a domestic product this guy:
Michael Moore
Mortgage Consultant
Your Move
Peterborough
Tel: 01733 558855
Lending ratio varies with lender, but 60% for expats is common.
Stay clear of new build property, as it is always over valued, especially the stuff being advertised here in HK. For comparisons on property use; rightmove.com, zoopla, singingpig, propertytribes,
Read More etc.... and contact estate local agents for more info on property.