Based abroad, buying in Britain? There's a lender for that.
An expat mortgage is for someone living or working overseas who wants to buy, remortgage or let a property in the UK. Specialist lenders accept foreign-currency income, offshore day rates and overseas employment, provided your deposit, credit footprint and country of residence fit their criteria. As a whole-of-market, FCA-authorised brokerage, we place British expats and overseas-based contractors — including oil, gas and offshore workers.
- TypeResidentialOwner-occupier lending
- Deposit / equity5–25%+Depends on the scheme and rate
- ServicePhone · video · emailAdvised around your schedule
- AdviceWhole-of-marketDirectly FCA authorised
Who expat mortgages are for
They suit British nationals working abroad, contractors on overseas or offshore assignments, and people paid in a foreign currency who want UK property. Lenders assess your income, residence country, currency and UK ties — some are far more flexible than others, which is where broker access matters.
Foreign and offshore income
Many lenders accept salary or day rate in major currencies (USD, EUR and others), sometimes trimming the figure to allow for exchange movement. Offshore rotation workers are well catered for — see oil, gas & offshore contractors and foreign national contractors.
Expat buy-to-let and remortgage
Buying a UK rental from abroad, or remortgaging one you already own, is common for expats. Lenders assess the rental on a stress test and your overseas income for any shortfall. See buy-to-let and portfolio landlord mortgages.
Building a strong expat application
A larger deposit (often 25%+), a maintained UK credit footprint, a recognised employer or currency, and residence in a well-regarded jurisdiction all widen your options. We tell you exactly which lenders fit today.
Talk to an expat specialist
Speak to an adviser with your residence, currency and income details for a tailored plan.
Expat and specialist lenders — a selection
Lender guides: Halifax · Barclays · HSBC · NatWest · Nationwide · Accord · Clydesdale · Yorkshire BS · Kensington See how we place cases →
Expat Mortgages, answered
Can a British expat get a UK mortgage?+
Yes. Specialist lenders offer mortgages to expats using overseas or foreign-currency income, typically with a larger deposit and some UK credit footprint.
Will lenders accept my foreign currency income?+
Many do, in major currencies, though some reduce the assessed figure to allow for exchange-rate movement. Choice narrows for less common currencies.
How big a deposit do expats need?+
Often from around 25%, though a strong profile or UK rental income can help. A larger deposit improves rates and choice.
Can I remortgage a UK property while living abroad?+
Yes, several lenders offer expat remortgages, including on buy-to-lets, subject to their residence and income criteria.
Does my country of residence matter?+
Yes. Lenders favour certain jurisdictions and may decline sanctioned or high-risk countries. We match you to lenders that accept where you live.