Expat Mortgage Broker

For Buying & Refinancing Property In The UK

UK Expat Mortgage Broker

Clifton private finance

We can help source mortgage finance for expats on residential and commercial property transactions in the UK

For expats looking to borrow on UK property, finding a mortgage can be difficult. We offer a specialist expat mortgage broker service to make things easier.
We can help you with:
  • Residential and commercial mortgages from £200k to £25m.
  • The option to leverage assets such as your investment portfolio, other property and pensions to negotiate more flexible lending criteria and interest rates.
  • Access to UK high street and private banks, specialist lenders, family offices and wealth managers. We also have access to private investor funds.
  • Enhanced, bespoke or exclusive terms to match your unique requirements.
Call us on +44 117 244 5566 to discuss your requirements.

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We offer a specialist UK expat mortgage service providing:

Call us on +44 117 244 5566 to discuss your requirements.


Where can you get an expat mortgage in the UK?

UK high street banks normally require you to be resident in the UK to qualify for a mortgage, however private lenders are normally much more flexible. This makes them ideal for British expats looking to buy property in the UK.

Private banks offer a range of mortgages for expats on both residential and commercial properties, including buy-to-let mortgages.

What are the lending criteria for UK expat mortgages?

Lending criteria for private banks tends to be quite flexible as they normally lend on a case by case basis. This is good for expats as it means issues which would cause problems with high street banks, such as income in a foreign currency or from equity need not be an issue.

Many private lenders will want international mortgage borrowers to provide a deposit of at least 25%, although this depends on the lender and your personal circumstances.

With a standard buy-to-let mortgage you will often be told the monthly rental income must be equal to around 125-145% of the monthly interest payments. However, private lenders are more flexible and will often allow you to use your personal income towards your buy-to-let interest calculation.

Try our independent expat mortgage brokers

Clifton Private Finance is an independent UK-based, FCA-regulated mortgage broker. Through our strong connections throughout the private banking sector, we can offer fast solutions for expats seeking mortgage finance to buy property in the UK.

Fill out the contact form above or call us on +44 117 244 5566 
to speak to a member of our finance team.
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If you have any questions about our services or want to start making things happen please contact us