Specialist

UK Mortgage for Expat in Australia

For Buying & Refinancing Property In The UK

UK Mortgage For Expat In Australia 

Clifton private finance

We can help source mortgage finance for UK expats in Australia looking to purchase or refinance property in the UK

Looking to finance or refinance a property purchase in the UK as a British expat living in Australia?
The good news is that there are UK banks that offer bespoke mortgage & shorter term finance products designed specifically for UK expats for UK property.
  • Residential and buy to let property finance from £100,000 to £25m
  • Up to 90% LTV for expat residential and 80% for buy to Let mortgages
  • Australian national & UK expat property finance solutions for buying or refinancing UK property
  • Mortgage options for returning expats from Australia
  • Mortgage finance for those working in the UK but paid in Australian dollars
  • Bespoke terms to match your unique requirements
  • Interest only and interest roll up options (no monthly payments)
  • Pre-approval terms within 24 hours
  • If you have assets that you would like to be leveraged as part of the transaction such as your investment portfolio, or other property or pensions our team can look at leveraging these assets to negotiate more flexible lending criteria and more favourable interest rates, to help you get the best deal
  • We have strong relationships with UK and international banks including private banks and specialist lenders
  • Highly professional service

How to get a UK Mortgage as an expat living in Australia

If you are an expat looking to buy or refinance UK property, the choice of lenders who will deal with you will depend on your circumstances and where you are based. It is increasingly difficult for expats to secure a mortgage deal in the UK as lenders are tightening their lending criteria.

Some UK high street banks have international arms which provide solutions to those living abroad in countries such as Australia, however, the criteria for each of these lenders differ, and many will decline your application as they see you as a higher risk.

When seeking a UK mortgage while living in Australia, there are a number of key factors which will affect your eligibility to apply for an expat mortgage. These criteria could include your loan deposit size, employment status, how long you have been living outside the UK, your income and whether it is earned in foreign currency, and your age.

It is therefore highly advantageous to seek the dedicated advice of an independent expat mortgage advisor. who can assess your individual circumstances and has access to a wider range of lenders, therefore giving you peace of mind that you are presented with the best available options and UK mortgage rates.

We have strong relationships with UK and international banks that provide expat finance, including specialist lenders who can offer innovative lending for more complex scenarios. Salary in a foreign currency is not usually an issue for private lenders, nor is complex income, including earnings from stocks, shares and other investments. This means your whole income can be considered when calculating affordability

Our Specialist Mortgage Service Providing:

  • Mortgage finance for expats from £100,000
  • Access to banks, private lenders and wealth managers that offer British expat mortgage solutions
  • Both short and long term lending options
  • Bespoke financial solutions to resolve a range of circumstances
  • Professional and efficient service to get funding at market leading rates
  • Expertise in securing funding for expats with complex income

Our service provides expert help to UK expats and Australian nationals looking to refinance or purchase UK property.

Call us on +44 203 900 4322 to discuss your requirements
Or book a free consultation with one of our expat mortgage specialists, at a time that suits you:

Book Consultation

 

Further reading:


Expat - UK Residential

2 Year Fixed

2.19% APR

27 months fixed rate

(Purchase)

Subsequent rate 3.79%

APRC 3.6%*

Up to 60% LTV

Product Fee £999

As at 5 April 2022

Expat - UK Residential

5 Year Fixed

2.29% APR

63 Months Fixed Rate

(Purchase)

Subsequent rate 3.79%

APRC 3.3%*

Up to 70% LTV

Product Fee £999

As at 5 April 2022

Expat - UK Residential

2 Year Tracker

1.04% APR

+BOE Base Rate

2 Year Tracker

Subsequent rate 3.79%

APRC 3.5%*

Up to 75% LTV

Product Fee £999

As at 5 April 2022

Contact Us

Thank You for your interest - please complete the form below and a member of our team will be in contact.

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Contact Us

UK Mortgage Service for UK Expats

Through our market knowledge we can deliver bespoke terms based on your requirements.  
Call us on +44 203 900 4322 to discuss your requirements.

Or you can book a free consultation with one of our expert advisors at a convenient time for you, below.

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