“The best time to plant a tree was 20 years ago. The second-best time is now.”
Chinese proverb
If you’ve been thinking about buying, remortgaging, investing, or simply understanding your options around property—especially while living or working abroad—this message is for you.
Too many people delay seeking guidance because they assume it’s either too early, too complicated, or too unlikely to succeed. But the reality is: there is almost always a way forward when you start with a conversation.
The Mortgage Market Has Evolved
The property finance landscape isn’t what it used to be. In recent years, a growing number of lenders have begun offering products that cater to people with:
Income from abroad Non-standard employment (contractors, freelancers, entrepreneurs) Multiple income sources (rental, investment, or pension) Family-assisted purchase plans Retirement income or complex financial backgrounds
Some of these lenders don’t even advertise widely. Instead, they operate through trusted brokers who know how to present a case clearly and align it with the right criteria.
Early Conversations Unlock Better Outcomes
You don’t need to have it all figured out. In fact, the best time to reach out is before you make a decision—when you’re still exploring, researching, or even just wondering if something is possible.
Starting early helps you:
✅ Discover what’s truly possible in your current situation ✅ Understand the documentation you’ll need, especially if you’re overseas ✅ Identify potential issues with income, credit, or eligibility early on ✅ Explore timelines and structure the right strategy around your goals ✅ Avoid costly mistakes by planning with insight, not assumptions
Whether you’re buying a home, releasing equity, refinancing a loan, or helping a loved one onto the property ladder, there are options—and they often depend on how well you’re prepared.
But My Situation Is Too Complicated…
If you’re thinking this, you’re not alone. Many of the people we help initially believed their situation was “too niche” or “not worth exploring yet.”
Some weren’t living in the UK.
Some had irregular income.
Some were retired, recently divorced, or supporting a child to buy.
Some just had questions with no clear answer in sight.
The truth is: mortgage lenders today operate across a wide spectrum of flexibility, and there are advisers who specialise in matching real-life situations to real-world solutions.
The Real Risk Is Doing Nothing
Inaction is often more expensive than a bad deal. By not seeking advice early, you risk:
Letting a time-sensitive opportunity slip away Falling onto an expensive standard variable rate Missing the chance to reorganise your finances more effectively Being told “no” simply because you asked the wrong person or too late
The earlier you start the conversation, the more time we have to tailor a solution that fits your life—not just a spreadsheet.
Final Thought: If It’s on Your Mind, It’s Time to Talk
Property isn’t just about bricks and mortar—it’s about your freedom, your security, your wealth, and your legacy. If you’ve got a goal, a question, or even just a whisper of an idea, now is the perfect time to get in touch.
Because when it comes to financial journeys, the best outcomes don’t come from guessing. They come from planning.
💬 Need clarity?
We offer a free 30-minute review to help you understand what’s possible.
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Author: Alain Mbe
Alain Mbe is the founder of Empreso, a purpose-led network helping individuals create, protect, and transfer wealth through property, finance, and legacy planning. With over two decades of experience in property investment and a background as a qualified mortgage adviser, Alain is passionate about empowering people to achieve prosperity with intention. He writes about property strategies, financial planning, and personal transformation—offering practical insights and actionable steps to thrive in today’s evolving economy.