Expat Commercial Mortgages

Are you seeking a mortgage or remortgage for commercial property, 'buy-to-lets, and industrial properties and you are a UK Expatriate ?

Independent Financial Services GB is a performance led UK 'independent broker' for specialist mortgage and loans, with a multi-disciplinary capability of financial services and products .

A large percentage of our clients are 'high-net-worth' individuals or 'corporate concerns', that have more complex funding requirements. We harbour the requisite expertise in the specialist mortgages and loans market. We seek to be your preferred choice and advisory partners.

We are solution led and seek to deliver funding solutions that meet your suitability, and make financial sense.

We cater for specialist lending needs as we access main-stream lenders to niche financial financial institutions; offshore and overseas banks; merchant and private banks who have 'standard' and 'bespoke' tailor made mortgages and remortgage solutions where at times traditional banking style involves having a 'blank piece of paper' with the potential of flexibility and bespoke 'expat commercial mortgages'. Where mortgage funding can be moulded around your needs and circumstances. This approach can be refreshing and not subject to tick-box regimented process of conventional banking allowing for flexibility in under-writing.

For more sophisticated customers or High Networth individuals foreign currency mortgages are available, along with currency management facilities. Allowing potentially lower rate of interest than is available in the UK. This type of mortgage product has risk associated due to fluctuations in foreign exchange (FX) rates, and may not be suitable if you are risk averse.

We can also offer sophisticated mechanisms where investment in Bonds returning a regular coupon, leverage on the encumbent investment can be utilised for purchasing UK property - this type of product is aimed specifically at High Networth Individuals, but the rate of interest can be attractive with potential of tax benefits and within the confines of wider spectrum of tax personal and corporate tax planning.

We work with specialist partners and discreet legal practices, and barristers that specialise in robust tax planning in regards property matters, and offshore structures both for UK, and non-UK and non-domiciled UK residents requiring to purchase or develop property in the UK and offshore.

We have the capability to furnish holistic solutions in property finance, structured finance, conveyancing, foreign exchange services, tax planning, Stamp Duty mitigation, trusts, insurance services etc. You may be able to get these services individually, but will you be able to co-ordinate a solution across multi-disciplinary professions, services and financial products and where the net result meets your needs in an efficient and cost effective manner. We can assist you with our expertise and net-work of specialist contacts within the industry in delivering creative and dynamic expatriate mortgage and remortgage solutions both for residential and if neeed be commercial property.

We also recognise that the majority of our clients are likely to have a number of existing relationships: for example, with investment institutions, solicitors and accountants. It is not our intention to replace or disturb these relationships, but to provide a more coordinated strategy where a bespoke and holistic finance solution is executed, and where exposure to risk is mitigated.

We specialise in an array of 'UK expatriate' commercial mortgages and loans and related financial and complimentary professional services:

   Commercial property purchase & remortgage (owner-occupied or investment i.e. office, retail and industrial).

   Buy-to-Let Mortgages (commercial investment property).

   Property portfolios (Buy-to-Lets or commercial mixed use)

   Property development finance (self build to large build projects)

   Currency Mortgages and Currency Management facilities.

   Bridging Short Term Finance.

   Equity release or re-mortgages.

   'Islamic' or 'Shariah' based residential and commercial mortgages and bridge finance.

   Mezzanine Finance for property development projects.

   Stamp Duty Mitigation, Tax planning, Foreign Exchange, conveyancing and wealth management by selective specialist partners.

Clearly many of our clients are based overseas as 'expats' we are entrusted to be their eyes and ears on managing their affairs, trust put in us is a responsibility we take very seriously.

Certain 'UK expattriate' clients may seek to structure their finances through an offshore vehicle such as a 'Special Purpose Vehicle' (Company) or Trust structure. Or seek to explore legitimate and robust tax planning.

Perhaps you wish to mitigate stamp duty or reduce the impact of Capital Gains Tax (CGT). We partner with one of only four legal practices that specialise in tax and trusts, and is barrister led. Finance and tax planning need to go hand-in-hand, that is why we create value in provisioning a packaged seamless solution, so for us it does not stop at commercial mortgages and loans we can deliver holistic solutions creating value for you in a professional hands on approach across a wide spectrum of financial products and services.

If you seek to borrow in another currency, or perhaps a range of currencies to make the most of 'Exchange Rate' changes we can explore options with you. However such mortgage arrangements can carry risk, and may not be suitable for all clients. As Changes in the exchange rate may increase the Sterling equivalent of your mortgage.

Each 'UK Expat Commercial Mortgage' is assessed individually dependent on your needs and circumstances, as we appreciate that everyone has different requirements. Our ambition is to provide finance solutions that work for you, at the best competitive terms.

We seek to empower you to make informed and calculated decisions that meet your needs and circumstances in your next 'commercial' mortgage or remortage.

We can handle complex and hard to place commercial and corporate mortgages, leverage our expertise to your best benefit.