Can I get a UK mortgage while living abroad?

Yes. Specialist expat mortgage lenders offer both residential and buy-to-let mortgages to UK nationals living overseas and, in some cases, to foreign nationals buying UK property.

Do I need a larger deposit as an expat?

Typically yes. Most expat mortgages require a minimum 25% deposit, though some lenders offer up to 80% LTV. The exact requirement depends on the lender, property type, and your location.

Can I manage the application remotely?

Absolutely. We handle the entire process remotely — from initial advice to completion. Documents can be sent electronically, and identity verification can often be done via video call or at a local British consulate.

What about stamp duty for expats?

Non-UK residents pay a 2% stamp duty surcharge on top of standard rates. If you move to the UK within 12 months of purchase, you can claim a refund of this surcharge.

UK Expat Mortgages

Living abroad but want to buy or remortgage UK property? We specialise in expat mortgages and know which lenders accept overseas income and foreign currencies.

Buying UK Property as an Expat

Whether you're a British expat living overseas or a foreign national looking to buy UK property, getting a UK mortgage from abroad is possible — but more complex than a standard application. Currency risk, overseas tax status, and distance from the UK property all create challenges. We work with specialist lenders who understand expat circumstances and can offer competitive rates.

Specialist lenders who accept overseas income & currencies
Buy-to-let and residential expat mortgages available
Applications managed remotely — no need to visit the UK
Foreign national and non-UK resident options
100% fee-free advice

Step 2 of 4

Tell us about the property

Estimates are fine — we'll refine the numbers together.

Property Value (£) *

Deposit Amount (£)

Annual Household Income (£)

Your home may be repossessed if you do not keep up repayments on your mortgage.

Residential vs Buy-to-Let Expat Mortgages

Residential expat mortgages are for properties you plan to live in when you return to the UK. Buy-to-let expat mortgages are for investment properties you'll rent out while living abroad. BTL is more common among expats and generally has more lender options, as rental income covers the mortgage payments.

Currency & Income Challenges

If you're paid in a foreign currency, lenders may apply a 'currency risk' discount of 10–25% to your income to account for exchange rate fluctuations. Some lenders prefer applicants paid in GBP, USD, EUR, or AED. We know which lenders are most flexible with different currencies.

Where You Live Matters

Some lenders only accept expats in certain countries. EU, USA, UAE, Australia, Hong Kong, and Singapore are generally well-served. Expats in countries with political instability or sanctions may find fewer options. We'll assess your specific location and find the right lender.

Tax Considerations

UK rental income is subject to UK income tax regardless of where you live. As an expat, you may need to register with HMRC under the Non-Resident Landlord Scheme. You may also have tax obligations in your country of residence. We recommend seeking specialist tax advice alongside your mortgage application.