Mortgages · UK Expat
UK mortgages for British expats abroad.
Living and working overseas doesn't mean giving up on UK property. We arrange mortgages for British expats buying, remortgaging or investing in UK property, built around foreign-currency income and a UK credit history that may need refreshing.
Why expat mortgages need a specialist approach
Standard UK mortgage products are usually built around UK-resident, UK-employed applicants — which leaves a genuine gap for British expats earning in a foreign currency, with a UK credit history that hasn’t been active for a while. A smaller pool of lenders specialises in these cases — picking the right one from the outset matters more than for a typical residential application.
If your income, assets or residency situation is more complex still — for example you hold assets or run a company overseas — our Lockhart Murphy International service is built specifically for that.
Who this is for
- British nationals living and working abroad
- Buying a UK property to live in on return
- Investing in UK buy-to-let from overseas
- Remortgaging a UK property you already own
- Income earned and paid in a foreign currency
- Limited or lapsed UK credit history
How it works
Tell us your situation
Where you live, how you're paid and what you're looking to do.
Lender matching
Expat mortgages are a specialist market — not every high-street lender offers them.
Adviser match
Your case is handled by an adviser experienced in expat and international cases.
Agreement in Principle
Move to a formal lender AIP once terms are agreed.
Your home or property may be repossessed if you do not keep up repayments on your mortgage or other loans secured upon it.