UK expat mortgage

Your specialists in expat mortgages

Expat mortgages UK

Mortgages for UK expats

A UK expat mortgage helps non-UK residents living or working abroad to buy property in the UK. Obtaining a 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 a mortgage. But it does make you more of a risk to lend to, which is where we can help!

  • UK expat mortgages

    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 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.

  • Expat mortgage brokers

    When you are happy to apply for your recommended mortgage, your dedicated expat mortgage broker will 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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We have helped hundreds of UK expats just like you!

Verified
Thank you Joanna for such a lovely experience! Joanna was so helpful and efficient at keeping us informed throughout the process of getting our mortgage approved. We would highly recommend Joanna and the team.
Emily-Jane Lowe
Emily-Jane Lowe
2021-01-19
Verified
A huge thank you to both Jonathan and Gemma for all they have done to assist us in our mortgage application. They've stayed on the case for us throughout the process even though it's been difficult due to lockdown delays etc. but we now have our offer so we're delighted! I've worked with Jonathan for a while now on both business and personal lending requirements and he is always professional, helpful, efficient and will pull out all the stops to find the right product for me, even when I'm not sure what route I want to take! I would have no hesitation in recommending Fosters Financial.
Karen Hall
Karen Hall
2021-01-13
Verified
Fantastic service from start to finish. Kind, helpful, professional. Nothing was too much trouble, made a stressful time stress free. Highly recommended.
customer
customer
2021-01-12
Verified
Joanna Everett at Fosters Financial has been absolutely amazing throughout my whole mortgage process. Having had a difficult experience with a broker at another firm Joanna was like a breath of fresh air. Knowledgable, approachable, prompt and professional - I can't thank her enough for turning around my house buying experience!
Antony
Antony
2020-12-16
Verified
John, Tracy and Gemma have given service which has been second to none as always. Thank You. Would highly recommend.
Nigel
Nigel
2020-12-15
Verified
Good experience with Fosters Financial Sian was very helpful and explained things to me in much detail (first time buyer) I always felt like I could ask any question that I needed to. She made the process as stress-free as possible and I would 100% recommend Sian and Foster's Financial. Worth every penny!
Lauren Inez Renda
Lauren Inez Renda
2020-12-08
Verified
Couldn’t recommend Fosters Financial enough!
Johnny Hulus
Johnny Hulus
2020-12-06
Verified
Really happy with the service received from Foster Financials. Very friendly and approachable staff and answered all my questions throughout the application process. Highly recommended!! Thank you Sian and Connor :)
Eli
Eli
2020-12-05
Verified
Can't recommend highly enough. Professional, friendly and fair. They went above and beyond and nothing was ever too much trouble. Excellent all round.
Lindsey Ilsley - Martha Elma
Lindsey Ilsley - Martha Elma
2020-12-04
Verified
Fantastic service! 2nd time we have used fosters for our mortgage! Quick and amazing results Thank you Johnathan
customer
customer
2020-12-04

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