Based in Hong Kong, we arrange UK mortgage introductions for buyers of all nationalities.
With over 38 years of experience in UK property and mortgage finance, UK Mortgages Asia helps buyers secure finance for residential, investment, and commercial property in the UK. Based in Hong Kong, we work with a wide network of UK lenders and specialist brokers, supporting clients through property purchases and equity release for future investment. Our role is to help you understand your options and move through the mortgage process with confidence.
Neil Jensen has worked in banking, finance, and property since 1988 and has been based in Hong Kong since 2004. He began his career with Lloyds Banking Group, working across the UK, the UAE, and Asia, before going on to run a London-based estate agency serving clients in the Middle East and Asia.
In 2018, Neil founded his own mortgage brokerage, specialising in UK property finance for international buyers. Recognised as an industry expert, he has lectured on UK property finance at City University of Hong Kong and regularly presents seminars for the British Chamber of Commerce.
Alongside his professional work, Neil is Chairman of Hong Kong Football Club, reflecting his long-standing involvement in the Hong Kong community.
Use our mortgage calculator to get an indicative idea of your potential monthly repayments. This tool is designed as a starting point only – actual borrowing amounts and rates will depend on your circumstances and lender criteria. For a clearer picture tailored to you, speak with one of our advisers.
These figures are calculated at a UK Base rate of 3.75% as of
December 18, 2025
Age limits vary by lender and mortgage type. For many residential mortgages, lenders often set an upper age limit around 65. However, for buy-to-let mortgages, there are lenders who are comfortable lending to borrowers aged 80 or beyond, subject to criteria.
If you’re buying a property to live in, lenders will usually require a repayment mortgage, where both capital and interest are paid each month. If you’re purchasing for investment purposes, interest-only mortgages may be available, depending on your circumstances and the lender’s requirements.
Lenders use Loan-to-Value (LTV) to determine how much they’re willing to lend. LTV represents the percentage of the property price funded by the mortgage.
For example, a 70% LTV mortgage on a £500,000 property would result in a £350,000 loan, with the remaining balance paid as a deposit.
When assessing your application, lenders will base the final loan amount on the lower of the purchase price or the property’s valuation.
Your guide to buying, renting, and selling UK property. Each episode features experienced property professionals discussing topics such as lending, tax, and market trends – helping you make informed decisions wherever you’re based.
15 podcasts available
