Expat Mortgages UK are the UK's Leading Mortgage Provider for Expats and Foreign Nationals seeking UK property finance. We work with clients from all over the world to provide the best mortgage deals on both Residential and Buy-to-Let properties.

We fully appreciate the stress that can be involved in either buying a new property, or remortgaging an existing property – it is hard enough when you live in the same country but when you’re living overseas it becomes dramatically harder!

That’s why we pride ourselves on our industry leading levels of Customer Service and provide all our clients with direct access via both phone and email to both their dedicated Expat Mortgage Advisor and dedicated Case Manager once the application has been submitted through to completion. We don’t have any voicemail or call centres – we truly believe the personal touch and service is crucial to providing excellent Customer Service!

We are directly FCA Authorised and regulated which means we firstly have access to ALL UK Lenders, including the Specialists and secondly our clients have total peace-of-mind and protection.

Obtaining a mortgage as an Expat or Foreign National Property Investor can be much more complex than applying for a standard mortgage and a large number of the High Street banks simply either do not offer Expat Mortgages, or else they have very strict lending criteria that must be met. However, our team of Independent Expat Mortgage Experts have access to the whole mortgage market which enables them to find the flexible deals with a number of Specialist Lenders that our customers need and unable to access directly.

With Expat and Foreign National Mortgages, traditional lenders usually deem receiving salary payments in foreign currency, or a lack of UK credit history to be too high a risk to take on, which is why a specialist Expat Mortgage Broker is typically required to source suitable specialist lenders who will accept such circumstances and willing to lend to these clients.

As well as providing the most comprehensive Foreign & Expat Mortgage advice – both for Residential and Buy-to-Let Mortgages, our market-leading customer service ensures that we stand out from the crowd. We pride ourselves on providing flexible communication channels to suit our clients’ preferences, which is particularly useful when communicating across different time zones. Our unique WiiN Customer Portal gives our clients an additional level of support as they can track their live mortgage applications 24/7/365 in real-time via any internet connected device, so makes dealing with a time zone differences one less thing to worry about!

Benefits of using a specialist Expat Mortgage Broker

Using a mortgage broker for these types of mortgage applications gives you a number of benefits, including:

• Breaking down complex requirements to easily complete the application.

• Support in working across different time zones and overcoming the problems that this presents.

• Help in understanding the exact types of documentation that is required, so there are no unnecessary delays.

• A mortgage broker can take care of many of the time-consuming and stressful administration tasks involved in your mortgage application, such as liaising with parties including Solicitors, Lenders and Estate Agent

Why choose Expat Mortgages UK?

We have been working with Expats and Foreign Nationals for over 10 years to help them to find mortgage deals to allow them to buy property in the UK to either live in or rent out. Over this time, we have built up a wealth of experience and knowledge of the expat mortgage market and we know exactly what each lender will and won’t take on as a risk.

We use this knowledge to get straight to the lenders that we know are going to be able to work with our client’s requirements and circumstances. This saves our clients a huge amount of work going back and forth between different lenders and potentially getting declined mortgage applications, which usually affect their credit file.

Once we have had an initial discussion with our client and collated the relevant details, we can get started on finding the most appropriate deal on the market and will work around your time zones to call you to discuss at a time that best suits you.

We are open 24/7/365