Expat mortgages

October 7, 2021

An expat is someone who’s currently residing in a country that they’re not a national of. You’re a UK expat if you’re from the UK but live abroad.

What is an expat mortgage?

An expat mortgage is a mortgage you’d take out on a property in the UK while you’re a UK expat – i.e. a UK national living abroad. This is different from an overseas mortgage, which is where you take out a mortgage for a property that’s not in the UK but is overseas.

We have access to expat mortgage lenders not available on the High Street.

Types of expat mortgages

You can get an expat mortgage and an expat remortgage for residential and buy to let
properties. They’re available on a repayment and interest only basis, as well as with fixed,
tracker and discount rates.

Mortgage on a main residence in the UK

You may want an expat mortgage on a residential property if you are planning on moving back
to the UK and want a property here for when you do. A common situation is that you are
resident overseas but your family live in the UK and you want to buy a property for them to live
in and for you on your return.

Buy to let for expats

You may want an expat mortgage on a buy to let basis if, for example, you’re looking to
remortgage your residential property onto a buy to let basis because you’re about to move
overseas. Or perhaps you’re situated overseas and have consent to let on a UK property, but
need to remortgage it onto a buy to let basis. You may of course simply want to increase your
portfolio and purchase a new BTL while living abroad.

Are you looking for an expat mortgage?

Speak to one of our expat mortgage advice specialists, who will be happy to help.

01777 809700

    What our customers say