Your country of residence as a UK expat can have a significant impact on the success of your UK Mortgage Application, which lender you should approach and the mortgage rates and fees you'll be met with.

When looking to buy or refinance UK property, the choice of lenders who will deal with you will depend on where you are based as well as your circumstances.

Some UK high street banks have international arms which provide solutions to those living outside the UK, however, the criteria for each of these lenders will differ. 

Seeking the advice and guidance of an experienced Expat Mortgage broker can make the process of securing an expat mortgage much easier.

Why does your country of residence matter in your UK mortgage application?

• Your expat status can be an administrative burden for lenders, especially if you’re earning in a foreign currency.

• Overseas income is more difficult for banks to verify the source of, and it also poses a higher risk for money laundering. This makes expat mortgages more expensive, and harder to find.

That said, many lenders are set up to deal with expats, and if you're based in the US or United Arab Emirates (UAE), there is a good number to choose from.

But other countries are less commonly seen by lenders or are associated with higher risks. In addition, UK banks are reluctant to lend to borrowers in countries that aren’t on the international Financial Action Task Force (FATF) of countries that meet the highest standards of measures to combat money laundering and terrorist financing.

For more information on applying for a UK mortgage from your country of residence and how our specialist expat broker team can help, select your location below:

Europe

• Austria
  
• Denmark
• France
• Germany
• Guernsey
• Iceland
• Italy
• Ireland
• Isle of Man
• Jersey
• Netherlands
• Spain
• Sweden
• Switzerland
• Turkey

America

• Canada
• USA
• Mexico
• Caribbean

Asia

• Abu Dhabi
• Dubai
• Hong Kong
• India
• Japan
• Singapore
• Thailand

Australasia

• Australia
• New Zealand

Africa

• South Africa

We cannot support expats currently living in countries that are not members of the Financial Action Task Force (FATF).

For a full list of these countries click here

Find the best deals on UK mortgages for expats

Clifton Private Finance is a UK-based, FCA regulated mortgage broker.

We have strong connections with all of the UK’s top mortgage lenders for expats, meaning we can help find you a leading market solution in line with your requirements.

Wherever you are, we can find the best expat mortgage for your set of circumstances. 

Book a free no-obligation telephone consultation at a time to suit you here:

Book Consultation »

Or call us now on +44 203 900 4322 to discuss your requirements.

Read our full guide on UK mortgages for Expats here

This information is computer-generated. It has only been designed to give a useful general indication of costs. Make sure that you read the separate key facts lender illustration before you make a decision. To get a full mortgage quote contact us.

Call us on +44 203 900 4322 to discuss your requirements.

Or you can book a telephone consultation at a convenient time for you