Explore Our Mortgages Services
UK Resident Mortgages
If you’re looking to buy your first property, moving house or seeking a buy to let mortgage, our team are here to help.
UK Expatriate Mortgages
If you’re a UK national living abroad and are looking to move back or you’re wishing to purchase a property while living overseas, you’ll need one of our expat mortgages.
Home Insurance
We offer a range of home insurance solutions to protect your new home, including buildings, contents and landlord insurance.
Remortgaging
If your mortgage term is coming to an end, discover our remortgaging solutions here.
Life Insurance
We offer a range of life insurance products to ensure your family is protected if you fall ill or pass away.
Why Choose Fidelius?
Fidelius is an independent, experienced, yet forward thinking financial services company that is committed to providing the very best service and advice through our top-quality team.
Our mortgage team have a combined experience of nearly two decades and have been trained to provide the best mortgage advice for your circumstances and requirements.
Through your mortgage journey, we will remain on hand every step of the way, taking away the strain and worry that can come with buying or raising finance from a property. Our friendly team will go above and beyond to source you the best lender options for your circumstances, while offering optional services to ensure you’re covered.
Your home may be repossessed if you do not keep up repayments on your mortgage.
How it works?
1. Speak with our advisers
Begin your journey by getting in touch with our expert mortgage team who will be able to answer any questions, discuss your options and possible next stops.
2. Get an agreement in principle
Our friendly advisers will apply for your Agreement in Principle (AIP), which is where our great relationship with lenders comes in. Your AIP is an indication that the lender will allow you to borrow the specified amount, based on the condition that all submitted information is correct. Once you have this, you can begin property hunting and put an offer on the property you wish to purchase.
3. Assign us as your mortgage brokers & choose a conveyancer
Once your offer is accepted, we will support you with your mortgage application and liaise between the lender and you. The lender will now assess your application and arrange a valuation of your property.
4. Receive your mortgage offer
If your lender is happy, they will send both us and you an approved mortgage offer. Your chosen conveyancer will now complete any required legal work. You should look to speak with us at this stage about protection planning, and buildings and contents insurance, so it’s all in place at the point of exchange.
5. Exchange and completion
If you’re remortgaging, your conveyancer will confirm a date when the funds will be drawn. If you’re purchasing a property, when contracts have been exchanged, you are then legally tied to the purchase of the property. A date will be agreed upon for you to complete and collect the keys — congratulations is also in order.
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FAQs
How long does a mortgage application take?
This completely depends on your circumstances, and which lender you choose to go with, as each application will be treated uniquely. In most cases, the process for a UK residential mortgage can take up to 10-12 weeks to be signed off.
Can I get a mortgage with bad credit?
It may make things more difficult, but it is still possible. A specialist mortgage broker, such as ourselves, will be able to advise you on your situation and the available options.
What factors should you consider when deciding to buy property?
There are several factors that go into assessing how much you can borrow. Some things you need to consider initially, are:
- What is your monthly budget?
- How many years do you want to pay your mortgage over?
- How long should the initial product last?
Knowing answers to this when you attend your consultation will help guide your adviser in providing a rough idea of what you can borrow, before further assessment for your AIP.
What’s the difference between an Agreement in Principle and a mortgage offer?
The difference is that a mortgage offer is an official confirmation from a lender that they are giving you a mortgage for a particular property.
While you can make an offer on a property based on an Agreement in Principle (AIP), you will need to complete a full mortgage application with your mortgage adviser to receive a mortgage offer. This requires you to provide all the information the lender needs to carry out its check, including valuation and underwriting.
What costs should you consider when buying an expat property?
Buying a property overseas and securing an expat mortgage can be a daunting process. With many things to consider, including expat mortgage rates, conveyancing costs and the costs of running a home.
8 tips for remortgaging your property
If you already have a mortgage, you will most likely hear about remortgaging when your current mortgage product is coming to an end. However, remortgaging can also be used as a way to help you save money, pay off existing debts, or fund an expensive purchase or project, like a home renovation.
Our complete guide to buy to let mortgages
If you’re looking to invest in property, we know it can be difficult to know where to start. Our guide will break down everything there is to know about buy to let mortgages, including deposits and what costs to consider.
Guide to getting a mortgage as an expat returning to the UK
Are you an expat looking at buying property in the UK? We’ve put together this handy guide to provide you with everything you need to know about getting an expat mortgage as a returning expat, including the potential costs and the steps to expect when searching for and buying UK property.
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