Mortgages

The UK mortgage market is one of the most liquid, competitive, and complicated in the world.

There are hundreds of mortgage providers who lend in the UK, from major international banks to niche building societies and alternative lenders. Each lender has their own specialisation, lending criteria, interest rates, processes and oddities specific to them.

The UK has a considerable number of lending channels. There are regulated mortgages, unregulated mortgages, buy-to-let finance, bridging finance, commercial mortgages and more. 

If you are a foreign national, expat, a high-net-worth individual, are self-employed, have significant assets but relatively low taxable income or anything in between, the UK mortgage market will have an option for you.

G76 Global's Broker specialises in helping high-net-worth and international individuals secure the best possible mortgage finance in the UK. If you have unusual circumstances and need to secure lending to purchase a property, G76 Global is the specialist for you.

An international mortgage is a loan secured against a property in a country other than where you live. G76 Global's broker core markets are:

United Kingdom | France | Spain | Switzerland | Guernsey | Jersey | Austria | USA | Monaco | Italy | Portugal

With access to more than 500 lenders and supported by a deep knowledge of international property financing, G76 Global's broker can technically arrange overseas mortgages anywhere in the world. If you are looking for an international mortgage of any kind, G76 Global will be able to help.

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Our services include:

Mortgages for a Principal Residence | Mortgages for a Second Home | Mortgages for Holiday Homes | Refinance and Equity Release | Construction and Development Finance | International Bridging Loans | Cross Border Mortgages | Offshore mortgages ​| Multi-Currency Solutions

G76 Global's broker is a leading authority when it comes to arranging million-pound mortgages in the UK. Our position, experience and place in the market speak for themselves.

G76 Global's broker has a dedicated team of industry experts. The team have have arranged £1 million, £2 million or even several million pound mortgages in every part of the market and of a huge number of clients. We receive recommendations and referrals from top private banks, wealth managers and other private client advisers and receive hundreds of enquiries a month.

• Personalised private bank mortgages for HNW & UHNW individuals

• Ultra-personal lending solutions from £1 million to tens of million of pounds

• High loan to value private bank mortgages - up to 100% LTV in some cases

• Private bank mortgage solutions for foreign nationals, expats and non-UK residents

• Comfortable with complex income and wealth scenarios 

• HNW Exemption, pre-funded, rolled up and occasional use exceptions

• Interest-only private bank mortgages

• Solutions for complex ownership structures (onshore and offshore trusts, limited companies, foundations, funds and more)

• Access to every private bank who lends against UK real estate 

• Independent, discreet and responsive service

Interest-only mortgages have attracted considerable scrutiny and some negative press in the past few years. As a result, most lenders have tightened their criteria for interest-only mortgages, which are often considered high risk.

This isn’t to say that interest-only mortgages will be an impossibility. However, they will not be available to everyone, and they will only be an option if there is a justified and logical reason for you to have one. In short, if you want an interest-only mortgage, expect the application process to be very thorough. Lenders will be rigorous in their need to understand your motivations for this type of finance, as well as your plans.

If you own high-value real estate, releasing capital from the property which you can then invest elsewhere for a higher rate of return, can make a lot of sense. As a result, there has always been a demand for equity release schemes involving high-value properties. These tend to be owned by high-net-worth individuals. Equity release schemes have become even more popular due to uncertainties in the market and challenges such as Brexit, which have reduced overall investment returns.

Whether looking at traditional loans or high-value mortgages, all finance providers will prefer the lender to be as committed as possible.

Thankfully, not only do we have access to a range of traditional high-value mortgage providers but we have a close relationship with a private bank that is extremely active in this area.

Our expertise has seen us deliver complex mortgages in the past, we have negotiated a number of million-pound mortgages with an 85% LTV and even above in some circumstances.

If you’re self-employed, you’ll enjoy flexibility, making your own decisions about how and where you work, and – importantly – enjoying being your own boss. But even as more and more people opt to become self-employed, it’s still challenging to get a mortgage, which can be both worrying and frustrating if you want to purchase a property.

Challenges often arise as it’s not easy to prove you have a steady income stream that is significant enough to get the mortgage you want. If you are self-employed, Enness will be able to help you secure a mortgage, even if you haven’t been trading for a long time or if you don’t pay yourself a large salary.

• Personalised solutions for international HNW & UHNW individuals

• Bespoke lending solutions from £1m with no upper limit - our largest mortgage to date is £150,000,000

• Large mortgage loans - high loan to value up to 100% LTV with additional security

• Large UK mortgages for foreign nationals, expats and non-residents

• An open-minded and creative approach to income & wealth documentation

• HNW Exemption, pre-funded, rolled up and occasional use exceptions

• Interest-only mortgages, Blended and Part and Part mortgages

• Mortgages for residential and investment properties

• Mortgage solutions for complex ownership structures (onshore and offshore trusts, limited companies, foundations, funds and more)

• Access to large loan teams at high street lenders, private banks & specialist lenders

• Independent, discreet and responsive service

Foreign currency mortgages used to be very popular, but they became less prominent in the market due to the financial crisis in 2007. However, there has been a resurgence in their popularity, especially given the increase in property purchases by foreign nationals, be these in the UK or prime markets around the world. As a result, many lenders have reintroduced these mortgages, offering them to select borrowers. Foreign currency mortgages enable overseas buyers to purchase property in a foreign currency.

It is fair to say that the large buy to let mortgage market has been one of the more volatile areas of the UK financial sector of late. While demand for rental property continues to grow, the UK government and regulatory authorities (Prudential Regulation Authority) have made a number of changes to protect market integrity. In light of the 2008 US sub-prime mortgage crash, the authorities initially reduced loan to value ratios and introduced a more stringent affordability test. We have also seen the announcement of tapered tax relief for landlords which could prove costly for high net worth individuals.

• Get remortgaging offers in 24-48 hours 

• UK and international property remortgages

• Experts in remortgaging for foreign nationals, non-resident property investors and expats

• Access more than 500 lenders, including private banks, alternative, specialist and niche lenders

• Specialists in high-value and high LTV remortgaging 

• Complete service to arrange remortgages in 4-8 weeks

• The private banking sector has traditionally dominated the market for property loans of £1 million and above.

• It was nearly impossible to secure mortgages without assets under management ('AUM') until recently. Generally, banks would require that borrowers put assets equalling at least 25% of the loan value under management with the bank. Borrowers pledging AUM provided lenders with a form of collateral in return for the bank funding a property loan, giving the bank more comfort.

• However, today, there is more competition among lenders, given the recent influx of institutions that can offer high-value mortgages in a space that used to be exclusive to private banks. As more lenders have entered the market and borrowers have more choices of funding, private banks have had to adapt their approach. As a result, where AUM used to be a non-negotiable requirement, today, many banks will consider offering "dry lending" – mortgages without AUM.