Helping UK Expats with mortgages and financing. Specialising in complex income.
Most High Street Lenders do not offer expat mortgages or expat remortgages because it can been more difficult obtain a UK credit history if you are no longer in the UK, therefore you will need an expat mortgage broker like London FS to help you.
We have vast experience working in the expat mortgage market in arranging UK expat mortgages for our clients, with access to the best expat mortgages available for UK expats.
Our UK expat mortgage brokers, will be able to source the most suitable lender, mortgage product and best rates for you based on your personal circumstances and borrowing requirements.
If you want an overseas mortgage or a mortgage for foreign nationals living in the UK (non UK resident), - we are also able to assist with this
You can get UK expat mortgages and UK expat remortgages for residential and Buy To Let UK property, with fixed, tracker and discount rates available. Both Residential and Buy To Let mortgages are available on either a repayment and interest-only basis.
You may want an expat mortgage on a residential property if:
When looking at a residential expat mortgage application, lenders will want know the following information in order to assess the mortgage application and calculate the maximum loan they are able to lend:
You may want an expat mortgage on a buy-to-let property if:
Applications for Buy to Let expat mortgages are similar in terms of what the lender will need to know when assessing your mortgage application, and calculating the loan available, however there will be a few additional requirements:
Buy to let expat mortgages are available on either a repayment and interest-only basis.
The type of mortgage that’s best for you will depend on your situation, circumstances and personal requirements. UK Expat scenarios can be quite complex, which is why it’s best to speak with a mortgage broker; we can guide you through your options and make things simpler.
It is possible to buy property in the UK as a British expat living abroad if you want to purchase a property for when you return or simply to rent out, but what’s available to you will depend on your situation. Speaking with an expat mortgage broker is the simplest way to find out what your options are.
You can usually take out a mortgage to buy a property in the UK even if you work abroad, but the lender will often require that someone is going to be living in the property - e.g. family/tenants.
Lending criteria, interest rate payable and maximum loan available for mortgages for expats will vary from lender to lender.
There are some specialist mortgage lenders who regularly deal and provide mortgages for expats with complex situations.
It’s possible to get a mortgage on an overseas property, but this would be an overseas mortgage, not an expat mortgage. London FS have access to lenders in most countries if you want to discuss an overseas mortgage with us. It will be worthwhile checking our overseas mortgage page which provides more information.
UK Expat mortgage rates tend to be slightly higher than typical mortgage rates due to the increased risk faced by lenders of having borrowers who live abroad.
The time it takes to arrange an expat mortgage will depend on your unique situation. Your mortgage adviser will be able to give you a timescale once we are dealing with your enquiry
We have access to a range of lenders offering different products, so we can find the best one to suit your unique needs.
Most UK lenders will consider granting consent to let for borrowers who have to leave the UK to work abroad; they just don't like granting it for an extended period of time.
If your lender won't grant to consent to let because you're going to be abroad for an extended period of time, you may want to remortgage onto a buy-to-let mortgage with a UK lender that accepts expat applications.
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