Foreign Currency Mortgages

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Foreign Currency Mortgages

Taking a mortgage on a UK property in a foreign currency can open up the possibility of lower interest rates, but  it also opens up the possibility of moving the debt between currencies to take advantage of currency movements.

If you were lucky in your timing of these switches you could progressively manage down the size of your debt much more quickly than you could reduce it by simple repayment. By the same token if you were not fortunate in the timing and selection of currency your debt could increase.

For UK property, this option is only available to UK residents of substantial means on loans in excess of £250,000, whereas for British Expats and foreign nationals resident in the UK the thresholds are lower at £100,000 or it's currency equivalent.

If you have income in a particular currency than getting a mortgage in that currency will be a sensible option if you don't want to expose yourself to currency risks.

Alternatively, you can opt for a managed currency mortgage. With this, a manager moves your mortgage in and out of various currencies when he judges that it is timely to do so. For example, if your mortgage is in Euro but this strengthens against Sterling, the manager will move your mortgage into a relatively weaker currency, such as US Dollars, for instance.

These mortgages are not for everyone, but for the more financially adventurous with a larger than minimum deposit they can pay off. B2B  can provide guidance on foreign currency lending and managed currency mortgages, introducing your business those lenders who offer the most competitive deals.

If you are a UK resident looking to buy an overseas holiday home or commercial property, then we can assist. We can arrange mortgages in most countries which UK investors find attractive, including popular countries like France, Spain, and Portugal, and  countries further afield.

Our fees for the work required will depend on the complexity and difficulty of your requirements.  We will inform you once we understand your requirements what fee, if any, will be payable.

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  • Mortgages available for many countries- please enquire if your country is not listed
  • Foreign Commercial mortgages available
  • Sterling, US Dollar, Euro and local currency mortgages available
  • Holiday Lets and Second Homes
  • NO BROKER FEE (Subject to terms) - saving you £500 - £5000
  • Free Quote with no obligation
  • Expats and non-Resident mortgages
  • Award winning - 2015 Commercial Mortgage Introducer of the Year

Legalwebb UK Ltd T/A B2Bmortgage is authorised and regulated by the FCA for Credit Brokering including Consumer Buy to Let permissions. Ref: 734694

B2Bmortgage operates as a Commercial Finance Broker and is not a Lender. B2Bmortgage is a full member of the National Association of Commercial Finance Brokers (NACFB) under membership number
08/0045CM and operates under its code of practice.