On Invest Launches a Free Expat Mortgage Calculator
Buying property from outside the UK comes with a few extra questions that local buyers rarely have to think about. How much deposit will a lender actually expect from an overseas applicant? What does that mean for the rate on offer? What will the monthly repayment really come to, once the numbers are in front of you rather than estimated in your head?
To make those questions easier to answer, On Invest has launched a free expat mortgage calculator, live now on our website and built specifically with our clients in Hong Kong, across Asia and the Middle East in mind.
Built for Overseas Buyers Investing From Abroad
The calculator supports both GBP and AED, so the numbers show up in the currency that matters to you. In a couple of minutes, you can:
Choose repayment or interest-only
Enter the property price, deposit, loan term and interest rate
See the estimated monthly payment and the balance remaining at the end of the term
Email yourself a copy of the results to review later or share with a partner
No sign-up is needed to get a number. You enter your figures and see where you stand.
Why Overseas Mortgage Numbers Work Differently
Financing a UK property from overseas doesn't work quite the same way as it does for UK residents. Deposits tend to run higher, and not every lender accepts non-resident applicants. The size of your deposit directly affects your loan-to-value, which in turn affects the rate you're offered. A longer loan term brings the monthly payment down but adds to the total interest paid over the life of the loan.
Whether you're weighing a straightforward purchase or an expat buy-to-let mortgage, running your own numbers first means you go into any conversation with a lender, or with us, already knowing roughly what to expect.
Backed by 30+ Years of Experience
This isn't a generic calculator pulled off the shelf. It's built on what we've learned facilitating over £625M in property transactions for more than 2,000 clients across the UK, Thailand and Australia over 30+ years. Where the estimate doesn't tell the full story, our team is on hand to walk you through what it actually means for your situation, from matching you with the right lender to coordinating solicitors and rental agents.
If you're exploring UK property investment, run your numbers through the calculator below, then get in touch and our team will follow up within 24 hours.