UK PROPERTY INVESTMENT MORTGAGES
- Up to 75% Loan to Value available

With the recent correction in UK property prices, attractive exchange rates as a result of the weakened GBP, and an exceptionally low Bank of England Base Rate (currently 0.5%), many overseas investors feel there has never been a better time to invest in the UK property market.

By searching the whole of the available offshore and onshore lending market through our partners, Liquid more often than not has access to more competitive deals than a client's own bank can offer, both in terms of lower interest rates and higher levels of loan to value mortgage financing.

Consequently, Liquid clients can now purchase UK property as a pure buy to let investment opportunity and grow their property portfolios

Buy to Let or (Investment Mortgages)

Buy to Let Mortgages are mortgages specifically designed for those investors who seek to invest in the property market and rent properties out to tenants. This offers a number of potential benefits for rental income and capital growth. Over the long term property represents an investment that will probably increase in real value. Furthermore, rental income should pay the property's maintenance costs and meet much of the loan repayment.

Currently buy to let mortgages are unregulated by the Financial Services Authority (except where it is your intention for the property to become your primary residence in the future). Typical Rates, subject to status and lending amount, can be between 1.5% - 3% above UK base rate or a Libor rate with Loan to Values up to 75% and interest-only terms over 25 years. There are a range of different options to switch the loan into a client's primary income currency.

It's also possible to obtain 100% financing by cross-collaterising investment mortgages across several or more properties or assets, including Investment Portfolios, Offshore Bonds and International Bank Guarantees. Typical Offshore Portfolio Bonds that are deemed acceptable by lenders include as suitable security include; Royal Skandia, Friends Provident International and HSBC Investment Portfolios.

Special schemes are available to expatriate buyers, UK residents and foreign nationals, to purchase UK property either for family use, or commercial letting under the Shorthold Tenancy Act.