Specialist
Expat & Offshore Mortgages
(Foreign Currency Mortgages)
Tailored mortgage solutions for expats and foreign currency income.
Buying property in the UK as an expat or offshore client comes with its own set of challenges, particularly when income is earned in a foreign currency. Currency fluctuations, tax implications, and lender restrictions can complicate the process.
At Mayfair Mortgage Co, we specialise in arranging mortgages for expats and offshore clients. Whether you’re a British expat living abroad or a foreign national looking to invest in the UK property market, we can help. Our lenders understand foreign currency income and can offer competitive terms tailored to your situation. From assessing eligibility to managing exchange rate considerations, we provide expert guidance to make the process as smooth and straightforward as possible.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Mortgages involving foreign currency income may be affected by exchange rate movements, which could impact affordability over time.
High Net Worth (HNW) Mortgages
Bespoke solutions for HNW and UHNW individuals with complex finances.
High Net Worth and Ultra High Net Worth individuals often have complex financial arrangements, which can make securing a mortgage through standard routes challenging. Income may be derived from multiple sources, including investments, business interests, and offshore assets.
At Mayfair Mortgage Co, we offer discreet, bespoke mortgage solutions tailored to HNW clients. We work with private banks and specialist lenders who take a holistic view of your wealth rather than applying standard income multiples. Whether purchasing a primary residence, second home, or investment property, we ensure your mortgage is structured to align with your overall wealth strategy and lifestyle needs.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Self-Employed Mortgages
Flexible lending for self-employed individuals or those with non-standard income.
Self-employed applicants often face stricter criteria from mainstream lenders, particularly if their income varies or they don’t meet the standard requirement of three years’ accounts.
At Mayfair Mortgage Co, we understand the unique challenges faced by self-employed borrowers. We work with lenders who assess your entire financial picture, including retained profits, dividends, and contract income. Whether you’re a sole trader, freelancer, or director of your own company, we’ll help you secure a mortgage that reflects your true earning potential.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Contractor Mortgages
Tailored solutions for fixed-term contractors or freelancers.
Contractors, whether working on fixed-term contracts or as freelancers, often find it difficult to secure a mortgage through high street lenders. Many lenders struggle to assess irregular income or day-rate contracts accurately.
At Mayfair Mortgage Co, we specialise in arranging mortgages for contractors across all industries. We work with lenders who consider your contract value rather than your annual salary, offering mortgage products with flexible terms that reflect your earning capacity. Whether you’re working through an umbrella company, limited company, or directly with clients, we’ll help you find the right mortgage solution.
At Mayfair Mortgage Co, we are committed to providing tailored solutions for clients with unique borrowing needs. Whether you have complex income streams, are based offshore, or have faced financial challenges in the past, our expert advisers are here to guide you every step of the way.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Contact us
We’re just a phone call away.
- 3rd Floor 45 Albemarle Street Mayfair London W1S 4JL
- chanelle@mayfair-mortgage.co.uk
- 07954 349 266
- Mon - Fri : 09:00 am - 06:00 pm