Overseas Income Structures
We present varied international earnings in a way suitable lenders understand.
Expat mortgages
Expat Mortgages for UK Property
Expat mortgages for British expats and overseas earners buying, remortgaging or investing in UK property. With access to specialist expat lenders, we make the process clear, straightforward and achievable.
Speak to an expat specialistHow we can help
Finance shaped around your circumstances.
Currency Considerations
We help navigate exchange-rate exposure and lender affordability calculations.
Lender Restrictions
Access specialist lenders familiar with expatriate and cross-border circumstances.
Documentation Requirements
Clear guidance on the evidence you’ll need, wherever you live and work.
A clearer next step
Tell us about your situation.
Who we help
Expat mortgage advice, wherever you live.
Living overseas shouldn't limit your UK property plans. As independent, whole-of-market brokers we place expat mortgages with lenders who understand foreign income, offshore employment contracts and overseas residency — from first UK purchases to expat buy-to-let portfolios.
- British expats buying a UK home to return to
- Overseas earners paid in a foreign currency
- Expat buy-to-let and portfolio landlords
- Expat remortgages and product transfers
- Contractors and forces personnel posted abroad
- Foreign nationals with UK property plans
Countries we regularly place
- UAE & Middle East
- Hong Kong & Singapore
- USA & Canada
- Europe & EEA
- Australia & New Zealand
- Africa & rest of world
Not on the list? Speak to us — lender appetite changes regularly and many cases can still be placed.
Expat mortgage questions
Common questions from expat clients.
Can I get a UK mortgage while living abroad?
Yes. A number of UK lenders, private banks and specialist lenders offer mortgages to expats living overseas. Criteria are tighter than for UK residents, so the choice of lender matters — that is where whole-of-market advice pays off.
How much deposit do expat mortgages need?
Most expat lenders look for around 25% deposit, though some cases can be placed with less and others — particularly complex income or unusual countries of residence — need more.
Can I use foreign currency income?
Many lenders accept salary paid in currencies such as USD, EUR, AED, HKD and SGD, usually applying a currency haircut to the income used in affordability. We match your currency and country to lenders who accept them.
Are expat buy-to-let mortgages available?
Yes, including limited company buy-to-let for expat landlords. Rental cover and stress-test rules apply in the same way, with additional lender checks on your country of residence.
Can I remortgage my UK property from overseas?
Yes. Expat remortgages are common when a residential mortgage needs converting to consent-to-let, a fixed rate is ending, or you want to release equity for another purchase.