UK expat mortgage
Your specialists in expatriate mortgages
Get a quote
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!
Read MoreUnlike 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!
Subject to status and lending criteria
If your applying on your own, leave the Applicant 2’s income blank
Exact borrowing amount will depend on your circumstances including but not limited to income, income source, dependents, age, credit history and commitments
Speak to one of our mortgage advisors
Need advice, but can't talk now? Arrange a callback
Your home may be repossessed if you do not keep up repayments on your mortgage. There will be a fee payable for mortgage advice. This will typically be £399 but for more complex cases where there is significantly more work or expertise involved, we charge a fixed fee of £995. One of our advisers will detail fully how much we charge and when it is payable, before we proceed with an application on your behalf. Mortgage calculator based on a maximum of 5 times income. As with all insurance policies, conditions and exclusions will apply.
Fosters Financial LTD is an Appointed Representative of JLM Mortgage Services Ltd, which is authorised and regulated by the Financial Conduct Authority. Registration numbers 743945 and 300629. Further details may be found by visiting www.fca.org.uk. Registered Office: 17 De Grey Square, Colchester, CO4 5YQ Registered Company Number: 09290950 Registered in England & Wales
