UK mortgage for expats, wherever you are in the world
Whether you’re looking to buy your first UK property, invest in property, remortgage an existing home or return to the UK, we help expats navigate the mortgage process from wherever they are.
Getting a UK mortgage while living abroad can be more difficult than a standard mortgage application due to the increased risk for lenders, but also your circumstances.
Your location, your income, your employment history. Some lenders may be comfortable with your circumstances, whilst others may not be.
That is where specialist advice can make a difference.
We understand how expat mortgages work and can help you navigate the mortgage market and find you the best option that fits your circumstances.
We can help with:
- Buying a property in the UK while living overseas
- Remortgaging a UK property
- Buy-to-let mortgages for expats
- Returning to the UK and arranging a mortgage
- Foreign currency income
- Self-employed applicants
- Complex income structures
- Overseas employment
- Applicants with UK and international financial commitments
- First-time buyers living abroad
How we help
1 – Understand your circumstances
We start the process by getting to know your full situation, income, employment, expenditure, existing properties and plans for the future.
2 – Identify suitable lenders
Not every lender treats expat applications in the same way. We look at the details of your circumstances and identify mortgage options available to you.
3 – Submit your application
We understand what documents are required and present your application to the lender clearly.
4 – Manage the process
From your initial enquiry through to completion, we help guide you through the process and keep you informed along the way.
Frequently Asked Questions
Can I get a UK mortgage while living abroad?
Yes, it may be possible to get a UK mortgage while living overseas. Lenders have different criteria for applicants living abroad and may consider factors such as your country of residence, income, currency, employment and deposit.
Can British expats get a UK mortgage?
British citizens living overseas may be able to obtain a UK mortgage, although the mortgage options available will depend on their individual circumstances and the lender’s criteria.
Can I get a UK mortgage with foreign currency income?
Some lenders may consider foreign currency income when assessing a mortgage application. The currencies accepted and the way income is assessed can vary between lenders.
Can I get an expat mortgage to buy a UK property?
Yes, there are lenders that may consider mortgage applications from people living overseas who want to buy property in the UK. The type of property, your income, deposit and country of residence can all be relevant.
Can I remortgage my UK property while living abroad?
It may be possible to remortgage a UK property while living overseas. The options available will depend on your circumstances, the property and the lender’s criteria.
Can expats get a buy-to-let mortgage?
Some lenders offer buy-to-let mortgage options for applicants living overseas. The criteria can vary depending on your country of residence, income, deposit and the property being purchased.