Remortgage of a £1million UK property for British expat based in The Netherlands

6th September 2018
Remortgage of a £1million UK property for British expat based in The Netherlands


Clients come to Enness because of our well-known ability to resolve complicated cases. The majority of our clients have international residences and incomes; therefore, we are experts at finding a solution to mortgage issues that cross international borders.

Recently a British client came to me to remortgage a £1million property in England. This would typically be straightforward, however, he also resided in The Netherlands and his income came from there in Euros. As well as this, his wife was a retiree and they wished to seek a mortgage based on their income after her retirement.

Unfortunately, his bank declined his case because he stated that his primary residence was in the Netherlands. Luckily, I knew exactly how we could get around this problem.


My experience at Enness has taught me that despite a client being an ex-pat, if we are able to prove that you spend a lot of time in your home country, then organising a mortgage internationally will be much simpler.

I was able to establish with his bank that this client not only originated in the UK but that he also came back very often which gave the bank enough grounds to be able to secure the mortgage. Interestingly, this was the same bank that originally declined his case. I was able to complete this deal quickly and easily and I managed to secure a mortgage rate of 2.24% fixed over a 5-year period based on 55% loan to value (LTV) of the property. Both my client and I were thrilled with this result.

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