UK Mortgages Asia – We are a mortgage broker based in Hong Kong, specialising in mortgage introductions for UK property regardless of the buyer’s nationality.

The right partner for your mortgage

With over 30 years of UK Property & Mortgage experience, UK Mortgages Asia Limited acts for anyone looking at financing a UK property regardless of your nationality. We have access to a wide range of lenders and specialized brokers seeking finance for residential, investment or commercial UK borrowing.

We aim to simplify the UK mortgage process and there are a number of articles on the website to hopefully make things easier for you. It may be that you are buying a property or you wish to take unused equity from your property for an additional purchase. Talk to our experts, we’re here for you.

Your home or other property may be repossessed if you do not keep up repayments on your mortgage.

OUR PROCESS IS PROVEN TO SUCCEED

Choosing the right lender

There are many things to consider when choosing the most suitable lender and the cheapest rate does not always mean it’s the best deal for you.

The application process

Send us a brief note of your requirements and we will take it from there. Depending on your requirements we would look to respond as to how we can assist and send you a simple & confidential fact find in order to ascertain the most suitable lender for your requirements.

Everything you provide to us will be treated in the strictest confidence and the more that you can share with us the more accurate our search is likely to be.

Keeping the process simple

We have English, Mandarin & Cantonese speaking staff who are here to make the process as smooth as possible by guiding you through every stage of the mortgage application.

Our fees explained

We have a ‘fair price’ policy in that we charge the same for a mortgage regardless of the amount you wish to borrow.We also provide a moneyback guarantee, which means if we are not able to deliver the mortgage and you have provided us with correct information, then we will refund your fee.

The rate of interest that a lender charges you will be either fixed or variable If you do fix the rate then it will be for a designated time and will not be affected by UK Bank Of England Base Rate changes in that time.

Your questions answered

1What’s the maximum age I can borrow to?

Many lenders will set an age limit of age 65, however for buy-to-let mortgages there are lenders that will have no issues lending to age 80 or later.

2What types of residential mortgage are there?

If you are buying your property to live in then the lender will expect you to make capital as well as interest repayments, however, if you are buying for investment purposes then ‘interest only’ finance may be available.

3How much cash do I need to put down/how much can I borrow?

When applying for a mortgage, the abbreviation ‘LTV’ is commonly used. It stands for ‘Loan-To-Value’ and is effectively the percentage of the purchase price of the property. If for example, a lender is offering 70% LTV on a purchase price of GBP500,000 then the loan amount would be GBP350,000 with the remaining deposit being paid by the buyer.

When you apply for a mortgage, the lender looks to obtain an independent valuation of the property. The final loan will always be the LOWER of the purchase price or valuation.

what our clients say

Selecting the right mortgage is one of the most important financial decisions you can make in your lifetime. Based on my 20 years of working closely with the founder of this site as a trusted business partner, ‘UK Mortgages Limited’ is the first place I would look for mortgage guidance. This is the home of the professionals’ professional.
TS – Certified Financial Planner & Professional Certified Coach
As an expatriate living overseas, dealing with the complexity of buying a property in the UK is never easy let alone getting the right level of professional advice on the best way of financing your investment. Over the last 12 years, I have always turned to Neil as a trusted advisor when making decisions about purchasing homes, both in Hong Kong and the UK, for my family. He simplifies the process, provides peace of mind and always delivers a tailor made solution to suit your financial needs.
AL

‘Around the Houses’ Podcast Series

Your guide to buying, renting and selling UK property. Every episode we’ll feature property experts discussing a range of topics including tax, lending and market overviews. Helping you to make better more informed decisions.

Listen to our Podcasts