UK Expat Mortgage

 An independent, whole of market, UK expat mortgage broker.

We help expats secure mortgages in the UK.

Getting a mortgage in the UK as an expat shouldn’t be any more complicated, time-consuming, or expensive than it is for UK residents.

At UK Expat Mortgage, our mission is to make this the reality.

With years of experience and a deep understanding of the challenges faced by expatriates, we offer an unparalleled level of service for expats securing mortgage finance in the UK.

Our whole-of-market access and independent status means we are not tied to any one lender. We compare options across the market for every case, and always put our clients’ best interests at the forefront of our work.

Whether you’re purchasing a residential home in the UK or an investment property, we are committed to transparency and excellent service, ensuring you feel confident and supported every step of the way.

If you’ve struggled to get a mortgage or agreement in principle from your bank, or even with another mortgage broker, don’t hesitate to get in touch.

We have connections with specialist lenders that offer mortgages to expats where traditional banks and building societies can’t.

Residential Expat Mortgaes

  Borrow from £100k

♦  Up to 80% LTV

  New purchases and refinancing

  Complex income accepted

Buy to Let Expat Mortgages

  Borrow from £100k

  Up to 75% LTV

  New BTL purchases and refinancing

  Rental income and salary accepted

Who We Can Help

We can help expats living in the below countries buy property in the UK:

How It Works

Consultation Call

Book a call with one of our expat mortgage brokers so we can understand your situation and explore your borrowing potential. We’ll need to know where you’re based, your income situation, and your property aspirations.


Find Your Match

After providing a quick sense-check of your plans and the best options for you, we will search across various expat lenders, from high street banks to international building societies, to find the right fit for your situation.


Agreement In Principle

If you’re happy, we’ll provide your Agreement in Principle to clearly outline your potential mortgage terms and solidify your position.


We’ll help you submit your full mortgage application. We’ll do the heavy lifting, and keep it as simple and easy for you as we possibly can.

We Handle the Details

Our team liaises with underwriters, estate agents, solicitors, and other parties on your behalf, ensuring a smooth and hassle-free process for you – and we’ll keep you up to date throughout.

Get the Keys

Enjoy your new UK property, with the peace of mind you got the best deal on the market for your mortgage.


Luther has been an extremely diligent and helpful mortgage advisor. He was able to offer advice on mortgaging a property that other advisors had told us was not possible.

J Woodland

Luther took on my remortgaging case despite several complexities (expat living in a higher financial risk country, requiring a loan to purchase property here, through remortgaging my UK house). Luther delivered in every regard, maintaining excellent communications throughout.

Matt H

Louis has been brilliant from moment one. Very personable, kind, knowledgeable and thorough. Working across different time zones was not a problem at all and Louis was always ready to help guide me through any jargon that I had to decipher – he knows what he is talking about!

Nusrath H

Latest Client Case Studies

Fast Buy to Let Mortgage for Expat in US

The best mortgage on the market isn’t always the product with the lowest rate. If it comes with legal assist (shared solicitors that significantly reduces costs) and no initial setup fees, a higher rate could actually be cheaper in terms of total cost. It’s something to look out for, particularly when looking for an expat mortgage - you can’t compare them like-for-like on a comparison website as...

Self Employed Dubai Expat Mortgage With Just One Year’s Accounts

Getting a mortgage in the UK while living in the UAE can be challenging enough. Throw in the fact that you’re self employed with only one year’s trading history and you have a complex gifting arrangement in place on the property, and it becomes almost impossible. Almost.  The Client A few years prior, our client had helped his father-in-law purchase a right-to-buy property, and had gifted him...

Complex Buy to Let Mortgage for Expat in Australia

Getting a UK mortgage with foreign currency income can be challenging - especially if that currency is not either Euros or USD. Mortgage lenders apply what’s known in the industry as ‘hair cutting’ to your salary - they slice off a percentage to account for currency fluctuations and potential weaknesses. With Euros and USD, you might expect a 10% reduction to your income for affordability, but...