Expert Guidance in Cantonese and Mandarin
Navigating the UK mortgage market can be challenging for Chinese nationals, Hong Kong residents, and those who prefer speaking Cantonese or Mandarin. That’s why Stephen Tsang, our Chinese-speaking mortgage advisor, is here to provide expert guidance in Cantonese and Mandarin. He’ll walk you through every step of the mortgage process to ensure you make informed decisions that align with your needs.
Stephen Tsang CeMAP Mortgage Adviser
Expert in UK Mortgage for Chinese National
UK-Based Hong Kong Native, Cantonese
and Mandarin Speaking
Stephen Tsang offers expert UK mortgage and property solutions to clients, particularly Chinese nationals and Hong Kong residents. Specializing in a range of mortgage services including residential, Buy-To-Let, remortgaging, and investment properties, Stephen helps both UK residents and international investors secure the best mortgage deals while making informed property decisions in the UK.
Hi, my name is Stephen Tsang
I am a UK-based mortgage adviser specializing in assisting Chinese nationals and Hong Kong residents with securing the right UK mortgage. I understand how challenging it can be for Cantonese and Mandarin speakers to navigate the UK mortgage market, which is why I dedicate myself to finding the best mortgage solutions.
I take pride in helping my clients by offering tailored advice that aligns with their unique needs.
Whether you’re a first-time buyer or an experienced investor, my goal is to ensure that you get the right mortgage products that meet or exceed your expectations.
On a daily basis, I communicate with clients, focusing on understanding their individual circumstances and providing expert UK mortgage advice, all while building a lasting relationship based on trust and reliability. I’m here to guide you through every step
of the process, ensuring your experience is smooth and successful.
Ready to discuss your options?
Call Us
02038278558
Email Us
info@contractormortgagesolutions.co.uk
Address
31, Metro Centre, Dwight Rd, Northwood, Watford WD18 9SB
Mon-Fri (8:30am-7pm)
Sat-Sun (9am-5pm)
Contact Us
Thank you for your message!
We'll get back to you shortly.Client testimonials
Mr. Cheung
Client
Stephen’s expertise in Cantonese was invaluable when buying my property. The whole mortgage process felt easy to understand, and he guided me every step of the way.
Ms. Lee
Client
I appreciated Stephen’s clear explanations and his ability to handle everything in Mandarin. He made a complex process much more manageable.
Stephen’s Services:
First-Time Buyer Mortgages
I offer expert guidance to Chinese nationals and Hong Kong residents purchasing their first home in the UK, helping you secure a competitive mortgage deal.
Buy-To-Let Mortgages
If you’re an investor looking to buy property in the UK, I specialize in helping you find the best buy-to-let mortgage solutions.
Remortgaging
Need to remortgage your property? I can help you find better terms and save money by providing advice in Mandarin or Cantonese.
Specialist Mortgages
for Foreign Nationals:
Our fully online service allows you to manage your mortgage application at your convenience, fitting around your busy schedule without the need for in-person meetings unless desired.
Stamp Duty and Tax Guidance:
I keep you informed about Stamp Duty Land Tax changes and offer strategic advice on how to save on taxes when purchasing property in the UK.
Insurance Solutions for Chinese NationalsStay Protected with Contractor Mortgage Solutions
At Contractor Mortgage Solutions, we offer tailored insurance options for Chinese nationals to ensure your income, family, and future are always protected.
Income Protection Insurance
Protect your income in case of illness or injury. Stay financially secure while you focus on recovery without the worry of lost earnings.
Relevant Life Cover
Secure financial protection for your family or business. Relevant Life Cover ensures your loved ones are supported if the unexpected happens.
Critical Illness
Insurance
Receive a lump sum payout if you’re diagnosed with a critical illness. This coverage helps alleviate financial strain during challenging times.
Curious About How Much You Can Borrow?
Find out in seconds! Use our quick and easy mortgage calculators to see how much you could borrow based on your day rate. Keep in mind, this is just an estimate – for a free, personalised recommendation, contact us today!
We partner with banks and underwriters to navigate the complex landscape of contracting and simplify the process of using contract earnings alone for affordability assessments.
In today’s fluctuating housing market, understanding how much you can borrow is crucial. As your local mortgage broker, we provide expert advice to help you navigate this unpredictability. Whether you’re a first-time buyer, looking for a buy-to-let mortgage, or considering remortgaging a property, we ensure you secure the best possible deal.
Your Estimated Borrowing Amount
Compare & Find the Right Mortgage for You
Don’t settle for less—explore, compare, and secure the best mortgage deal tailored to your needs.
Mortgage Comparison
Find the Right Mortgage in Minutes
Finding the right mortgage can be overwhelming, but we make it simple. Our mortgage comparison tool lets you explore options from top lenders, ensuring you get the best deal for your situation. Whether you’re a contractor, self-employed, or a first-time buyer, you can compare interest rates, loan terms, and monthly payments all in one place. Get a clear breakdown of costs and repayment terms before making your decision. With tailored solutions for contractors, securing the right mortgage has never been easier.
Mortgage Quote
Personalized Mortgage Quote, Instantly
Want to know how much you can borrow and at what rate? Our mortgage quote tool gives you a quick, no-obligation estimate based on your income and financial profile. We specialize in contractor mortgages, ensuring you get access to exclusive rates designed for self-employed professionals.
With no impact on your credit score, you can explore your mortgage options with confidence. Get a personalized quote in minutes and take the next step toward securing your dream home.
FAQ’S
What Types of Mortgages Can Hong Kong Residents Get in the UK?
Hong Kong residents can access a variety of mortgage types in the UK, including residential mortgages, buy-to-let mortgages, and even commercial property mortgages. However, eligibility and terms may vary depending on factors like income, deposit size, and UK residency status. Consulting with a broker ensures you choose the best mortgage type for your investment or residential needs.
Do I Need a UK Bank Account to Get a Mortgage in the UK?
While it’s not always a strict requirement, having a UK bank account can make the mortgage application process smoother for Hong Kong residents. It helps establish your financial standing and facilitates payments. If you don’t have one yet, a mortgage broker can advise on the best approach to open one and secure a mortgage.
How Much Deposit Will I Need as a UK Resident from Hong Kong?
As a UK Resident from Hong Kong, you may be required to pay a deposit, typically around as low as 5% of the property value. However, deposit requirements can vary depending on the lender, your financial situation and settling status. A broker can help you identify the best mortgage deals and deposit structures for your specific needs.
Can I Get a UK Mortgage as a Non-UK Taxpayer?
Yes, Hong Kong residents who are not taxpayers in the UK can still qualify for a mortgage. However, non-taxpayer status may affect the type of mortgage available and the terms offered. Working with a mortgage broker is essential for finding a lender that accommodates non-UK taxpayers and offers competitive rates.
How Long Does It Take to Get a Mortgage as a Hong Kong Resident?
The time it takes to secure a mortgage can vary depending on your financial situation and the complexity of your application. On average, it may take between 4 to 6 weeks for Hong Kong residents to get mortgage approval in the UK. Brokers can expedite the process by helping you gather the necessary documentation and pre-approving you for a loan.
What Are the Benefits of Using a Mortgage Broker for Hong Kong Residents?
Mortgage brokers can provide Hong Kong residents with access to a wide range of mortgage products, many of which are not available on the high street. They offer expert advice, assist with navigating the UK mortgage market, and help secure the best rates and terms based on your financial situation. Brokers save you time, reduce the complexity, and ensure you meet all the lender’s requirements.
Do I Need a UK Guarantor for a Mortgage?
In some cases, Hong Kong residents may be required to provide a UK guarantor, especially if they don’t have established credit history in the UK. A guarantor is someone who agrees to cover the mortgage repayments if you default. However, many lenders are open to foreign nationals without a guarantor, so it’s important to explore all options with a broker.
How Can I Prove My Income as a Hong Kong Resident?
Hong Kong residents can prove their income through various documents, such as payslips, bank statements, tax returns, and employment contracts. If you’re self-employed, you may need to provide additional documentation, such as business accounts and proof of income over a few years. A broker can help you gather the right documentation and present it in the best light to lenders.
Do I need to pay Stamp Duty as a Non-UK Resident?
Yes, if you are a non-UK resident buying residential property in England or Northern Ireland, you will be subject to a 2% Stamp Duty Land Tax (SDLT) surcharge on top of the standard residential rates. This surcharge has been in effect since 1 April 2021 and also applies in addition to the higher rates for additional properties.
For the most accurate and up-to-date information, please refer to the official government guidance on Stamp Duty rates for non-UK residents.