Our Expertise
Expat Mortgages
Living abroad while owning or purchasing UK property brings additional considerations. A smaller group of lenders operates in this space.
Overview
What is expat mortgages?
An expat mortgage is a UK mortgage for someone living outside the UK. It may be used to purchase a home to return to, to retain and refinance an existing property, or to fund a UK buy to let investment.
Lenders in this area consider the currency you are paid in, the country you reside in, your employment arrangements, and how identity and income can be verified from overseas. The number of lenders is smaller, so preparation matters.
Who might this be suitable for?
- British nationals working overseas
- Clients paid in a foreign currency
- Expats retaining a UK property while abroad
- Overseas-based landlords with UK rental property
How Help to Lend can help
- 01We identify lenders that accept your country of residence and income currency.
- 02We prepare identity and income documentation for overseas verification requirements.
- 03We work around time zones and communicate at times that suit you.
- 04We coordinate with UK solicitors and lenders on your behalf.
Assessment
What may lenders and providers consider?
Country of residence
Lenders maintain accepted country lists which vary and are periodically reviewed.
Income currency
Foreign currency income may be discounted by a lender to allow for exchange rate movement.
Identity verification
Certified documentation and sometimes an in-person verification may be required.
Tax position
Overseas residents should take independent tax advice on UK property ownership.
Criteria vary between providers and can change at any time. Nothing here confirms that a particular lender or insurer will accept an application.
The Process
How we work through it together.
- 01
Understand
We start with a conversation about your circumstances, plans and objectives.
- 02
Assess
We review your position, affordability and mortgage requirements in detail.
- 03
Recommend
We identify suitable mortgage and protection options and explain the reasoning.
- 04
Apply
We prepare and manage the application, liaising with the lender on your behalf.
- 05
Progress
We keep the case moving and keep you informed at every stage.
- 06
Complete
We support you through to completion and remain available afterwards.
FAQs
Frequently asked questions
Related
Related expertise
Buy to Let
Finance for landlords purchasing or refinancing rental property.
Self Employed
Mortgages for freelancers, business owners and directors.
Remortgaging
Review your existing deal and consider the options available to you.
Commercial Mortgages
Finance for business premises, investment and development.
Speak to an adviser about your circumstances.
We'll explain the options clearly and tell you what to prepare, with no obligation.
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