Expatriate Mortgage

Vast experience about expatriates was acquired by the Chief Executive of this company when he lived and worked abroad for over 20 years. This knowledge is now used for the benefit of the Expatriate community.

Our Expatriate Mortgage service includes:
	Confidentiality
	Independent Mortgage Advice
	Tax efficiency
	Access to multi foreign currency mortgages
	Facility to build UK property portfolio
	Flexible payments
	Currency switching facility
	Competitive rates
	Where/whenever practical by our advisors available
	Will Writing
	Treat the customer fairly policy

We aim to make our service easy:
Just select the mortgage or insurance product that interests you, choose how you would like to be contacted:

• by our specialist team - return call at a time
  that suits you,
• by our independant advisors - email

or call freephone 0800 0743895 for free advice
24 hours a day, 7 days a week

We deal with all lenders including: Barclays Bank International, Birmingham Midshires Solution, Halifax, HSBC International, Leeds & Holbeck (Gibraltar), Llyods TSB, Nat West International, Norwich & Peterborough, Royal Bank of Scotland.

Our respective mortgage service covers the whole of the UK.

We offer independent advice and an optional ongoing annual mortgage review to help you manage your assets and your future.

Foreign exchange movements can be sudden and substantial and you must be able to tolerate a sizeable increase in the sterling equivalent of your loan. At no stage should you expose yourself to high risks of foreign currency borrowings if you are not able to afford the potential losses that could result from adverse currency movements and the higher interest rate servicing costs that would be required of you due to your having a larger loan. Denominating debt in foreign currencies may not be suitable for you. If you have any doubts as to your suitability for borrowing in foreign currencies or your understanding of the risk involved, you should consult your financial adviser. Changes in the exchange rate may increase the sterling equivalent of your debt. Your lender will not tolerate too great an increase in the sterling equivalent of your loan as a result of currency losses and may opt to convert the loan back into sterling at a predetermined level. This may result in a permanent increase in the sterling equivalent of your loan which is not fully compensated for by any other benefits. In this event, you could be left paying interest rates on a larger amount of sterling loan than that you originally borrowed.

Your home may be repossessed if you do not keep up repayments on a mortgage. The actual rate available will depend on your circumstances. Ask for a personalised illustration. Think carefully before securing other debts against your home. Changes in the exchange rate may increase the sterling equivalent of your debt.

The Mortgage Explorer is a trading name of The Financial Explorer (Southern) Ltd.
The Financial Explorer (Southern) Ltd is authorised and regulated by the Financial Services Authority. The Financial Explorer's FSA register number is 400597.
Registered in England & Wales. Company Registration No. 3744756. Registered Office: Sixth Floor, Dean Park House, Dean Park Crescent, Bournemouth, Dorset BH1 1HP
Email: info@themortgageexplorer.co.uk

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