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UK Expat Mortgage

UK expat mortgage

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Mortgages for UK expats

A UK expat mortgage helps non-UK residents living or working abroad to buy property in the UK. Obtaining a UK expat mortgage to buy a home in the UK or an expat buy to let mortgage to purchase a property for rent, can however prove difficult. This is because most High Street mortgage lenders will need to see a recent UK credit file.

Proving your income if you have been working overseas can also be tricky due to fluctuating exchange rates. If you have also not had an address in the UK within the past three years, it can pose even more of a challenge to lenders.

This does not mean that you cannot get an UK expat mortgage. But it does make you more of a risk to lend to, which is where we can help!

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Unlike many of the High Street lenders, our UK expat mortgage brokers take the time to understand your individual circumstances and use this information to find you the best UK expat mortgage for your needs.

As expat mortgage lenders will see you as a risk, you may have to pay a higher rate of interest initially. But you should be able to remortgage to a better rate, if you keep up with your repayments.

When you are happy to apply for your recommended mortgage, your dedicated expat mortgage advisor will also manage the entire process, to ensure it is a complete success.

Interested in seeing how we can help you make your dreams of owning a property in the UK a reality? Speak to one of our friendly mortgage advisors or book your free consultation here today!

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What our customers say

  • From start to finish I was always kept up to date with the progress. The team are excellent and very friendly.

    S.Dodl.
  • Excellent service. Everyone we dealt with for our mortgage was very professional, super efficient and friendly

    J.Walker
  • We have used Fosters Financial for two mortgages now and each time they were very helpful and professional.

    P.Seaman
  • Excellent customer service. Always there to help and easy to get hold of.

    S.Courtney
  • Very friendly service that explained all at every step and was always quick to respond to any questions that we had.

    S.Collinson

How much can I borrow?

Subject to status and lending criteria


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Based on a minimum 5% deposit

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Exact borrowing amount will depend on your circumstances including but not limited to income, income source, dependents, age, credit history and commitments

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