UK & Spanish Mortgages for Yacht Crew and Expats
Mortgages for Yacht Crew
You would think finding mortgages for yacht crew would be easy, but the reality is somewhat different. Lenders in the UK do not like foreign currency income. If you earn in Euros of Dollars for example, the majority of lenders will not lend.
24 years of Mortgage expertise with 100’s of successful mortgages for yacht crew already achieved means we have the expertise to not only get the mortgage you need, but also to achieve a High-Street rate and low fees. Whether it is Buy-to-Let or Residential we can help.
Buy to Let Mortgages
Buying property as an investment can be lucrative but only if everything is taken into account. What is the tax position, does the property “wash it’s own face” in terms of covering the mortgage payments plus lender’s “stress tests”. How much deposit do you need. All of these factors need to be considered.
Whether you are ready to take your first leap into property for investment or you are an experienced landlord, expert mortgage and financial advice is key to getting it right first time.
Re-Mortgaging your Property
With interest rates close to their all time low, there has never been a better time to consider re-mortgaging your Residential or Buy to Let property for a better rate. Costs are lower than you may think, and the savings can be substantial.
We have helped many clients to re-mortgage for better rates, lower repayments, releasing capital for further property purchases or even in a couple of cases to buy a boat. Whatever your needs contact us first.
Residential Mortgages
First Time Buyer, Second Time Buyer, Buying a Second Residential Property or Holiday Home. Whatever the reason you are looking for a mortgage, it makes sense to use a Qualified Mortgage Adviser.
Our Qualified, experienced Mortgage Advisers can access exclusive rate products not available directly to the public, with reduced arrangement fees, cashback and many other features which will save you money and time.
Mortgages for Spanish Property
Whilst we do not work with Spanish Mortgages ourselves, we do have a superb connection with a renowned Mortgage Broker in Mallorca. They are Lionsgate Capital. Juanita Casanas and her team provide an excellent fee-based service which is very unusual in Spain. They look after our clients well and have placed many Spanish mortgages for yacht crew and expats alike.
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Mortgages for Property Portfolios
Portfolio lending to landlords with 4 or more properties is a specialist area. Do you own the properties personally or via a Limited Company? Changes to Legislation means that mortgaging your whole portfolio has become more and more difficult in recent years.
This is where our expertise with lenders and property portfolio landlords – some with over 40 properties – comes into it’s own. Whatever your portfolio we can make sense of consolidating your mortgages.
When I needed pension advice I was lucky enough to find Marc Rees who came to see me and explained my options and everything I needed to know, making it all easy to understand. He did all the paperwork and all the legwork until everything was organised. I had spoken with other people about my pension and wasn’t very happy with the results whereas with Marc it was easy. I have already recommended him to others and will continue to do so without hesitation.
Marc has worked hard on my behalf to ensure that I have exactly the right policies. Everything is clearly explained and handled in an efficient and friendly way.
Marc Rees at Haven has been my financial adviser for almost four years. I have been more than happy with the professional personal service that he provides, and the sound business advice. Highly recommended.
Yacht Crew Mortgage - We have been very impressed with the level of service provided. Sandy Paterson is very knowledgeable, has been easy to contact and has made the whole process of finding a foreign currency mortgage simple. We provided the information and documents he requested at about 8am and we had a mortgage in principle by lunchtime! Sandy has kept in touch throughout the whole process and everything has run smoothly and efficiently.
Both our solicitors and estate agent have commented on how 'on the ball' our broker Sandy Paterson is. We wouldn't hesitate to recommend him to anyone needing a Financial Adviser in Mallorca.
Contact Information
Whether it is mortgages for yacht crew, Spanish mortgages or any other mortgage you are looking for. Get in touch with us today to experience the difference a Haven Financial Adviser can make to your future.