The success of your UK mortgage application as a UK expat depends heavily on your country of residence, as it impacts which lenders will consider your application and the interest rates and fees you will face. High-street banks with international arms may provide options for those living abroad, but each lender’s criteria will differ.
Navigating the process of securing an expat mortgage can be simplified with the guidance of an experienced mortgage broker. However, expat status can present additional administrative issues for lenders, particularly if your earnings are paid in foreign currency. Income from overseas is challenging for lenders to verify, increasing the risk of money laundering, which results in expat mortgages being costly and difficult to obtain.
Although many lenders are geared up to handle expats, the availability of options can vary by country. Countries with high risks or are less typically seen by lenders may have fewer options available.
If you reside within a country that is not listed on the FATF List, Financial Action Task Force, it may be more difficult to have your application for lending approved. Countries that are on the list of the FATF can be found here.
To obtain additional details on how to apply for a mortgage in the UK from a different country and how our expert expat broker team can assist, please choose your location from the list below:
Europe
- Austria
- Denmark
- France
- Germany
- Guernsey
- Iceland
- Italy
- Ireland
- Isle of Man
- Jersey
- Netherlands
- Spain
- Sweden
- Switzerland
- Turkey
America
- Canada
- USA
- Mexico
- Caribbean
Asia
- Abu Dhabi
- Dubai
- Hong Kong
- India
- Japan
- Singapore
- Thailand
Australasia
- Australia
- New Zealand
Africa
- South Africa
Discover the top UK mortgage deals for expats with UK Property Finance, a fully regulated mortgage broker based in the UK.
We have established relationships with the majority of the major UK mortgage lenders who specialise in expat mortgages. These relationships will allow us to identify and provide you with the best deals and mortgage rates on the market.
Countries we can support Expats
The success of your UK mortgage application as a UK expat depends heavily on your country of residence, as it impacts which lenders will consider your application and the interest rates and fees you will face. High-street banks with international arms may provide options for those living abroad, but each lender’s criteria will differ.
Navigating the process of securing an expat mortgage can be simplified with the guidance of an experienced mortgage broker. However, expat status can present additional administrative issues for lenders, particularly if your earnings are paid in foreign currency. Income from overseas is challenging for lenders to verify, increasing the risk of money laundering, which results in expat mortgages being costly and difficult to obtain.
Although many lenders are geared up to handle expats, the availability of options can vary by country. Countries with high risks or that are less typically seen by lenders may have fewer options available.
If you reside in a country that is not listed on the FATF List or the Financial Action Task Force, it may be more difficult to have your application for lending approved. Countries that are on the FATF list can be found here.
To obtain additional details on how to apply for a mortgage in the UK from a different country and how our expert expat broker team can assist, please choose your location from the list below:
Europe
- Austria
- Denmark
- France
- Germany
- Guernsey
- Iceland
- Italy
- Ireland
- Isle of Man
- Jersey
- Netherlands
- Spain
- Sweden
- Switzerland
- Turkey
America
- Canada
- USA
- Mexico
- Caribbean
Asia
- Abu Dhabi
- Dubai
- Hong Kong
- India
- Japan
- Singapore
- Thailand
Australasia
- Australia
- New Zealand
Africa
- South Africa
Discover the top UK mortgage deals for expats with UK Property Finance, a fully regulated mortgage broker based in the UK.
We have established relationships with the majority of the major UK mortgage lenders who specialise in expat mortgages. These relationships will allow us to identify and provide you with the best deals and mortgage rates on the market.