Residential Property

In the UK you can obtain equity release mortgages for the purpose of buying property overseas, including in Spain, but property assets within the UK would have to be used as security.

Residential Re-mortgage

Depending on your circumstances, you can obtain up to 95% of the value of UK properties in the form of a mortgage. This can be used to fund UK or overseas property investments.

With over 28,000 different mortgage products available in the UK lending market at any time, you can select from a wide range of types of mortgage and mortgage terms, including:

Fixed, Discounted, Variable, Capped or Base Rate Tracker mortgages

Interest Only or Repayment mortgages

Terms from 5 to 40 years

No redemption penalties are available

Adverse credit lending for those with a poor credit history, though interest rates will typically be higher

Self-certified mortgages available for people whose income may fluctuate or who cannot verify their income (although a deposit or equity of 10% or higher is typically required)

Whether you are purchasing for the first time, re-mortgaging your property to lower your monthly payments, or looking to release equity to invest in overseas property, it is always wise to speak to a fully independent and qualified mortgage adviser with access to every product on the market and the expertise to help you choose the right product for your circumstances.