Compared to getting a mortgage as a UK resident, expats have a much smaller list of UK banks to choose from when looking for a mortgage.
In this article, we provide a comprehensive list of all the UK banks that do offer expat mortgages. But we also look a other expat mortgage lenders from international building societies to specialist and private banks.
Which UK Banks Offer Expat Mortgages?
Here’s a list of the main UK banks and lenders that offer expat mortgages:
- HSBC
- Skipton International
- Market Harborough
- Suffolk Building Society
- Santander
- Gatehouse Bank
- NatWest
Other options include the below, but these lenders are either not necessarily UK-based or are more limited in their offerings. Also, many of these only offer buy-to-let expat mortgages and not residential.
- Bank of China
- Tipton
- Keystone
- Together
- Penrith BS
- Mansfield BS
- Saffron
- Shawbrook
- Castle Trust Bank
- Cambridge BS
- Newbury BS
- Hampshire Trust Bank
- Marsden BS
- Nationwide
And finally, for High Net Worth applicants these private expat lenders can also provide an option:
Note that not all banks and lenders can work with every country – and they also have their own unique lending criteria and application process. It’s generally advised to use an expat mortgage broker to find the best lender for you, depending on your income, country of residence, and broader financial situation.
Some of the above lenders, particularly the private banks, don’t typically accept direct applications and only work through brokers such as ourselves.
To find out which lender will be best for your mortgage, speak to our experts today. We look at your income, country of residence, mortgage requirements and broader finances to connect you with the right lender every time. We have no affiliation with any lender, so we always put our clients’ needs at the forefront of our advice.
