Habito makes mortgages and buying a home a lot easier – gone are the stressful days so many people have experienced! They will find the best mortgage for you, all for free. And when you buy a home, they can do the whole process for you. Everything is online, and at your own pace, with incredible service. Huge 5 stars from us. Town & Country Mortgages (UK) Limited is an appointed representative of Sesame Ltd, which is authorised and regulated by the Financial Conduct Authority. FCA Registry Number 594354. Registered in England and Wales No: 08291669. Registered Office: 9, Fore Street, Trowbridge, Wiltshire, BA14 8HD calls can be recorded for training and monitoring purposes. The FCA does not regulate certain forms of buying to rent mortgages. The information on this website does not contain all the details you need to choose a mortgage. Be sure to read the separate illustration of key facts before making a decision.

For mortgages, we charge NO FEES. We receive a commission from the lender. Some banks and mortgage companies, including HSBC, offer international banking services and can help you get a mortgage abroad. You need to check if they support the country or territory you choose. For example, a deposit for a Spanish property can be around 30% to 40% of the property price for non-residents. So if an apartment sells for $200,000, you may need up to $80,000 as a deposit. In Canada, lenders typically ask newcomers for a deposit of 35% of the value of the property. This will usually decrease once the buyer accumulates credit in the country. Keep in mind that buying a property abroad can be a very different process than what you are used to. Depending on your location, you may also not have the same legal protection. But not every mortgage broker is the same, some aren`t able to sift through “the whole market” (that`s all those 20,000 mortgages), and some charge high fees.

The quality of customer service also varies greatly! In principle, you can also get a mortgage from lenders based in other EU countries; However, your country of residence where you work or the location of the property may affect how the lender evaluates your application. If you hire a local lawyer, make sure they are qualified to practice in your current country and abroad, preferably even specializing in international real estate transactions. Fixed-rate mortgages at 30 years, 25 years, 20 years, 15 years and 10 years Depending on the country where you apply for your loan, it may be: Call: 01373 824444 or 01225 776699. Email: oliver@townandcountrymortgages.net Since real estate practices vary around the world, it is important that you understand the local process to avoid the risk of breaking the law or making costly mistakes. Some countries have restrictions imposed by the government when it comes to foreigners owning property, also taking into account the buyer`s country of residence, citizenship, and financial situation. It is recommended to go through a qualified real estate professional and receive independent legal and financial advice at every stage of the buying process. Remortgages, first-time buyer mortgages, home purchase mortgages, lease purchase mortgages. Habito also offers a service that brings together everything you need to buy your dream home under one roof – it`s things like legal work (transfer of ownership) and building surveys. Town & Country Mortgage Services, Inc. offers the best combination of interest rates and closing costs, coupled with a highly skilled mortgage team. We take care of both purchase money mortgages and the refinancing of your mortgage.

Moreover, L&C only deals with the mortgage. You will always need to arrange your own sponsor or lawyer (to handle the legal aspect) and a construction survey when you buy a house. A foreign mortgage is a mortgage you take out on a property that is not in your country of residence. It can come from a local bank or a foreign lender in the country where you want to buy. Your approach depends on your personal and financial situation, so it`s important to do your research. Weigh the pros and cons of each option to help you decide. In addition, with Habito, they take care of everything related to buying a home for you, you do not have to worry about legal work or construction investigations. Everything is very modern and what we expect in today`s world, to be honest! Finding the right mortgage for you can be very difficult – there are over 20,000 mortgages! This is where a mortgage broker comes in, they do all the work for you and find the best deal for you. If the buyer can get financing, there are no real estate restrictions for foreigners. In case of death of the buyer, the property is not subject to French law, but to the country of residence of the buyer. And there`s not a lot of useful content on their website to learn more about mortgages and how L&C works, the site basically focuses on you getting your mortgage from them. Before handing over money, it is important to seek independent legal and financial advice.

If you are an HSBC customer with loans in one country, it is easier for us to share your credit details with your target market when applying for a foreign mortgage. Releasing equity is a way to release some of that value in the form of cash to help you finance foreign ownership. However, think about it carefully. Many of these mortgages charge compound interest, which adds up if you don`t pay them. You also get less than what your home is worth on the market in exchange for money. Optimize available mortgages for existing FHA mortgages Lenders often refuse to issue mortgages on real estate in other countries or to individuals whose source of income or place of residence is not in the country where the bank is located. However, they must not discriminate between EU citizens solely on the basis of their nationality. Other things to consider are foreign property laws; Tax; exchange rate fluctuations; Building permits; Your exit plan, should you ever decide to sell; and insurance.

With all the details you may not know, it`s important to choose a lending bank that understands local laws and has international experience in the country you plan to shop in. Lenders may ask you to take out a mortgage policy. Our top priority has always been to provide quality advice and service to our clients. Reputation and service create long-term relationships with our customers and are the foundation of our business. Maintaining the highest possible level of customer service and advice, regardless of the circumstances or the outcome of the consultation, has ensured that our clients always receive the best advice. This approach has ensured our reputation and has earned our company repeated orders and numerous recommendations. They`re a bit random with customer service, which is important when you get mortgage advice – after all, buying your home is probably the biggest purchase of your life! They are actually one of the largest mortgage brokers in the UK and have a huge call centre to look after their clients – it`s all phone-based, you can`t talk to anyone face-to-face and you also can`t chat with your mortgage professional via the live chat on their website (unlike more modern brokers like Habito and Trussle). The lender can only offer you a mortgage if the appraisal shows that you are likely to be able to repay the loan.

Trussle is your typical mortgage broker – they`ll find the right mortgage for you, but with a little twist, it`s free! And you can do it all on their website in your spare time or over the phone. The customer service is also excellent. Solid 3 stars from us. Offer you better access to more mortgage transactions and therefore lower interest rates My advisor and case manager were attentive and responsive. As a first-time buyer, I had a lot of questions and they answered them well. If more details were needed, I was promptly informed. I received my agreement in principle from L&C and found it very easy to ask for one. The application form is extensive, but has an intuitive interface. Once you`ve applied, the L&C web portal is easy to use. In some countries, non-resident deposits are non-refundable, so it is important to be satisfied with the purchase and complete all relevant checks. Town and Country Mortgages has been around for over 25 years. Based in Trowbridge and Westbury Wiltshire, we are a mortgage broker providing mortgage protection advice and advice to clients across the UK.

We believe that the foundation of a successful business is the relationship we have with our consultants and clients. We have always believed in the importance of offering “comprehensive advice” with mortgage procurement systems that examine the mortgage market. We also review your insurance policies and make recommendations to make sure your home and income are protected. London & Country is great for mortgage advice as it`s free and can search the whole market, but you still get it with Habito and Trussle, and the service is better, and they`re online – they work around your schedule, you don`t have to book meetings like at L&C. Overall, we give L&C 2 stars. They`re not the worst mortgage broker, but there are much better options, and we recommend checking out Habito (here`s our Habito review). However, if L&C is for you, here is the L&C website to learn more. Under EU rules, the lender or credit intermediary must give you at least 7 days to evaluate the offer. The national legislation of some EU countries gives you more time.