Expat Mortgages
Expat
Mortgages
UK Expat Mortgages let you buy or remortgage a UK property while overseas, giving flexibility to invest or maintain long-term plans.
What Is An Expat Mortgage?
An expat is someone who’s currently living in a country where they are not a national.
For example, if you’re a UK national but living in Dubai you’d be considered a UK expat.
An expat mortgage is a mortgage you take out in the UK whilst living elsewhere in the world. If you’re not a UK national but live abroad and want to buy property in the UK, you’ll need an expat mortgage.
Types Of Expat Mortgages:
If you’re considering an expat mortgage for a residential property, it might be the right choice if you’re planning to move back to the UK. Alternatively, if you’re currently living abroad but your family is in the UK, you might want to buy a property for them to live in, as well as for yourself when you come back. You can choose a repayment or interest-only mortgage depending on your needs. A repayment mortgage could be a good fit if the property is going to be your main home, as it will help you clear the balance by the time you retire.
If you’re thinking about an expat mortgage for a buy-to-let property, this could be a good option if you’re looking to remortgage a residential property into a buy-to-let because you’re moving overseas. It also works if you’re based abroad and already have consent to let a UK property but need to remortgage it as a buy-to-let. If you’re renting out your UK property from overseas – possibly under consent to let – you might also want to remortgage it as a buy-to-let to release some funds. Whatever your situation, there are flexible options available to suit your needs.
We search 1000’s of products to find the best deal for you
How To Apply:
AFFORDABILITY
It’s important you understand how much you’re able to borrow. Your dedicated mortgage adviser will access your foreign earnings, any debt you have and your savings to secure you an agreement in principle from a lender.
MORTGAGE CRITERIA
Depending on the type of mortgage, whether it be residential, buy to let or even a holiday let, lenders will have a set criteria you will need to match with in order to secure a mortgage.
APPLICATION
Your adviser will search the whole market, even some lenders you may not know, to find the most suitable deal for you. Once you’ve found your preferred mortgage, your adviser can get to work submitting your application.
COMPLETION
Your expat mortgage adviser will follow you through all the way to completion ensuring you get the keys to your property and the process is as simple and straightforward as possible.
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Why Choose UKMC
Simple, Straightforward Approach
Simple, Straightforward Approach
Thousands of Products
Thousands of Products
Dedicated Case Manager
Dedicated Case Manager
Free Property Insights and Reports
Free Property Insights and Reports With our online portal, you can quickly access detailed reports about your chosen property, making it easier to make informed decisions. Reports include:
- Broadband speeds – Check connectivity before moving in.
- Energy efficiency rating – Know how much your bills might be.
- Local property trends – See prices in your postcode and compare similar homes.
- Area insights – Find out about crime rates, common professions, and property types nearby.
- Environmental info – Flood risk, geology, radon, and nearby infrastructure projects.
Plus, our handy home-buying checklist keeps you organised at every step.
Flexible Appointment Options
Flexible Appointment Options Life can be hectic, and we get it, especially if you’re juggling a 9–5. That’s why we offer late-night appointments five days a week. We’ll work around your schedule, so getting advice is easy and stress-free.
Who Qualifies for an Expat Mortgage?
Expat mortgages are suitable for people living abroad who want to buy or remortgage a property in the UK. Typical applicants include:
UK citizens living overseas for work, study, or retirement
Foreign nationals with the right to buy property in the UK
Self-employed expats with a verifiable overseas income
Employed expats with a stable salary and contract
Investors or landlords looking to manage UK rental properties from abroad
what our clients saying about us
At the end of my tether I was introduced to Sam from UKMC.
Previous advisors had failed to find me any deals worth looking at and I was feeling most despondent. Destined to continue paying waaaay too much for my mortgage.
Creative Director, TUX Creative Co
At the end of my tether I was introduced to Sam from UKMC.
Previous advisors had failed to find me any deals worth looking at and I was feeling most despondent. Destined to continue paying waaaay too much for my mortgage.
Independent Art Director
At the end of my tether I was introduced to Sam from UKMC.
Previous advisors had failed to find me any deals worth looking at and I was feeling most despondent. Destined to continue paying waaaay too much for my mortgage.
Creative Developer, Studio Gusto
Frequently asked questions
Got questions? Let’s answer them
Can I get a UK mortgage while living abroad?
Yes, you can get a UK mortgage even if you live overseas. Specialist lenders and brokers usually handle these cases, as many high-street banks don’t offer products for non-residents.
How much deposit do I need as an expat?
Expat mortgages typically require a larger deposit than standard UK mortgages, often around 25% or more of the property’s value. For higher-risk cases or buy-to-let properties, a larger deposit may be needed.
Does my overseas income count towards the mortgage?
Yes, lenders can consider your foreign income, though they may calculate affordability with adjustments for exchange rate fluctuations or use only a portion of it.
What if I don’t have a UK credit history?
Not having a UK credit history doesn’t automatically prevent you from getting a mortgage. Specialist lenders will review your overseas credit records and overall financial profile instead.
Can I remortgage my UK property while living abroad?
Yes, many expats remortgage their UK property to release equity, secure better terms, or adjust their mortgage. Lenders will require proof of overseas income and assess your financial situation.
