Specialist

UK Mortgage For Expat In Canada

For Buying & Refinancing Property In The UK

UK Mortgage For Expat In Canada

Clifton private finance

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

We are experts in helping expats, non-domiciles and foreign nationals secure mortgage finance on UK property.
Through our connections, we can source finance from UK banks offering bespoke mortgages & shorter-term property finance for clients based in Canada.
We can get you the best UK mortgage rates and flexible loan terms.

We offer our clients:

  • Residential and commercial expat mortgages for UK property from £100,000
  • Up to 90% LTV for UK residential property & 80% LTV for investment properties
  • Low cost options for UK returning expats from Canada
  • Terms from 3 months to 30 years
  • Bespoke terms to match your unique requirements
  • Interest only and interest roll up options (no monthly payments)
  • Pre-approval terms within 24 hours
  • We have strong relationships with UK and international banks, including private banks and specialist lenders
  • The option to leverage assets such as your investment portfolio, other property and pensions to negotiate more flexible lending criteria and interest rates
  • Highly professional service

The short video below explains our services for expats in Canada in more detail:

How to apply for a UK mortgage as an expat living in Canada

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 Canada, 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 Canada, 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.

We provide mortgages for expats based in Canada, particularly those living in Vancouver, Toronto and Montreal. Our experienced brokers can arrange bespoke financial solutions for expats and nationals to finance buying properties in the UK.

Find the best UK mortgage deals for expats in Canada

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

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 to suit you

Book Consultation »

 


Expat - UK Residential

2 Year Tracker

4.94% APR

2 Year Tracker

Subsequent rate 6.99%

LTV - 60%

APRC 8.4%*

Product Fee £999

Free standard valuation

Early Redemption Charges

As of 10th January 2024

Expat - UK Residential

5 Year Fixed

4.69% APR

5 Year Fixed (Remortgage)

Subsequent rate 6.99%

LTV - 60%

APRC 6.2%*

Product Fee £999

Free standard valuation

Early redemption charges

As at 10th January 2024

Expat - UK Residential

2 Year Fixed

4.99% APR

2 Year Fixed (Purchase)

Subsequent rate 6.99%

LTV - Up to 60%

APRC 7.1%*

Product Fee £999

Free standard valuation

Early redemption charges

As at 10th January 2024

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

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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.

Book Consultation »

 
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Get in Touch

If you have any questions about our services or want to start making things happen please contact us