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Expat Mortgages

UK Mortgages for British Expats

Living abroad but buying or remortgaging in the UK? We work with expat-specialist lenders who accept foreign income and understand life overseas.

Speak to a specialist broker
25–40%
Typical deposit
Foreign
Income accepted
FCA
Regulated

Who it's for

Mortgages that travel with you

An expat mortgage is for a UK national living overseas who wants to buy or remortgage a property in the UK — a family home, a future return base, or a buy-to-let investment. Because fewer lenders serve expats, and they assess foreign income, currency and overseas residency differently, it pays to work with a broker who knows the market.

We arrange purchases, remortgages and buy-to-let finance for British expats across the world, presenting your income and circumstances to lenders who understand them. Whether you're paid in dollars, dirhams or euros, employed or self-employed, we'll find the lenders most likely to say yes.

UK mortgages for British nationals living abroad
Foreign and multi-currency income accepted
Purchase, remortgage and buy-to-let for expats
Lenders who understand overseas employment
No UK credit footprint required by some lenders
FCA-regulated, whole-of-market advice

Who this service is for

Buying Back Home

Securing a UK home to return to, or for family to live in, while you work overseas.

Expat Landlords

Buying or remortgaging UK buy-to-let property while living and earning abroad.

Remortgaging Expats

Coming off a deal while overseas and wanting a competitive new rate or to raise capital.

At a glance

The essentials

25–40%
Typical deposit
Foreign income accepted
Income
Expat specialist banks
Lenders
FCA-regulated, whole-of-market
Advice

Expat Mortgage Questions

Yes. Specialist lenders cater to British expats buying or remortgaging UK property, assessing foreign income and overseas circumstances that high-street lenders often decline.
Expat lenders typically look for a larger deposit than for UK residents — often around 25–40% — though the exact level depends on your country of residence, currency and profile.
Yes. Many expat lenders accept salary, bonuses and self-employed income earned overseas, often in major currencies. We know which lenders accept your income type.
Yes. We arrange expat remortgages for British nationals overseas — switching rate, raising capital, or moving a let property onto better terms.

Living abroad, buying in the UK?

Speak to a specialist broker who arranges UK mortgages for British expats every day.

Speak to a specialist broker