UK Mortgages for British Expat Living in the USA

Secure a UK Mortgage as a British Expat in the USA For British expats living in the USA, investing in UK property can be a strategic way to maintain ties to home, build wealth, and plan for the future. Whether it’s purchasing a family home, refinancing an existing property, or starting a buy-to-let portfolio, the… Read more
UK Mortgages for Expats in Hong Kong

Secure a UK Mortgage as a Hong Kong Expat For UK expats living in Hong Kong, investing in property back home can be both an exciting and strategic decision. The UK property market remains a popular choice for its stability, long-term growth potential, and variety of investment opportunities. However, the UK mortgage market as an… Read more
Buy to Let Mortgages with Serco Tenants

Can you get a buy-to-let mortgage with Serco tenants? (Lender criteria explained) Yes — but only with certain lenders. Letting your property to Serco, housing associations, or charities can affect your mortgage, as these arrangements are different from standard tenancies. Lenders assess these arrangements differently to standard tenancies, often applying stricter criteria. Not all lenders… Read more
UK Mortgages for Expats in Bahrain

Expert UK Mortgage Solutions for Bahrain-Based Expats For UK expats living in Bahrain, the idea of investing in property back home can be both exciting and financially rewarding. The UK property market offers stability, long-term growth potential, and a diverse range of investment opportunities. However, the UK mortgage market as an expat in Bahrain can… Read more
Low Loan to Value Mortgage

Low LTV Mortgage – Maximise Your Borrowing Power When you’re thinking about taking out a mortgage, one of the most important factors to consider is the Loan-to-Value (LTV) ratio. But what exactly does LTV mean, and why should you be interested in a low LTV mortgage? At Kerr & Watson, we know that the mortgage… Read more
UK Bridging Loans for Residents of UAE

Bridging Loans for UAE Residents: Secure UK Property Quickly For residents of the UAE, investing in the UK property market offers significant long-term benefits, including financial stability and potential returns. However, when time is tight and conventional financing isn’t an option, bridging loans may provide a swift and effective solution to ensure you don’t miss… Read more
Buy to Let Mortgage Lowest Deposit

Buy to Let Mortgages from 15% Deposit If you’re thinking about becoming a landlord or growing your property portfolio, the size of the deposit needed for a buy to let mortgage is likely high on your list of concerns. While many lenders require a substantial deposit, there are still opportunities to access buy to let… Read more
Mortgages for Flats Above Shops

How to Get a Mortgage for Flats Above Shops Buying a flat above a shop or commercial property comes with unique benefits and challenges. These flats are often in prime locations, close to amenities, and may be more affordable than other residential properties. However, getting a mortgage for a flat above a shop can be… Read more
Case Study: Buy-to-Let Remortgage for Capital Raising

Summary We recently helped a portfolio landlord remortgage a two-bedroom buy-to-let flat in London to raise additional funds for home improvements. The property was valued at £650,000 with an existing mortgage of £392,000. The customer wanted to increase the borrowing to £422,500 while keeping monthly payments manageable through an interest-only structure. They also preferred a… Read more
Mortgages for Listed Buildings

Can you get a mortgage on a listed building? Yes — but it can be more complex than a standard property. Listed buildings are considered higher risk by some lenders due to maintenance requirements, legal restrictions, and resale considerations. However, many lenders are still willing to consider these properties with the right approach. Listed building… Read more
How Much Are Conveyancing Fees

Guide to Saving on Legal Costs Buying or selling a home involves numerous costs, one of the most significant being conveyancing fees. These fees cover the legal work required to transfer property ownership. Understanding the components and average costs of conveyancing can help you budget effectively and avoid surprises. At Kerr & Watson, we provide… Read more
UK Bridging Loans For Expats

UK Bridging Loans for Expats | Fast Property Finance, Renovation & Investment Solutions Understanding the property market as an expatriate presents certain challenges, particularly when swift action is required to secure a desired property. Bridging loans offer a viable solution, providing short-term financing to bridge the gap between the purchase of a new property and… Read more

Category: Buy To Let Mortgages