Specialist

UK Mortgage For Expat In Europe

For Buying & Refinancing Property In The UK

UK Mortgage For Expat In Europe

Clifton private finance

We can help source mortgage finance for expats based in Europe 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 who offer bespoke mortgages & shorter term finance products designed specifically for clients based in Europe, which often offer attractive interest rates and flexible loan terms.

We offer our clients:

  • Residential and commercial expat mortgages for UK property from £100,000
  • Mortgage up to 90% LTV (Residential property) and 80% LTV (Investment property)
  • Lenders that accept income paid in Euro
  • Terms from 3 months to 30 years
  • Bespoke terms to match your unique requirements
  • Interest only and interest roll up options (no monthly payments)
  • Low cost mortgage rates for returning UK expats from Europe
  • Pre-approval terms within 24 hours
  • We have strong relationships with UK and international banks including private banks and specialist lenders
  • For loans over £1m+ the option to leverage assets such as your investment portfolio, other property and pensions to negotiate more flexible lending criteria and interest rates

Expat - UK Residential

2 Year Tracker

4.69% APR

2 Year Tracker

Subsequent rate 6.74%

LTV - 60%

APRC 6.6%*

Product Fee £999

Cashback £750

Early Redemption Charges

As of 12th March 2025

Expat - UK Residential

5 Year Fixed

4.07% APR

5 Year Fixed (Remortgage)

Subsequent rate 6.74%

LTV - 60%

APRC 5.8%*

Product Fee £999

Cashback £1250

Early redemption charges

As at 12th March 2025

Expat - UK Residential

2 Year Fixed

4.12% APR

2 Year Fixed (Purchase)

Subsequent rate 6.74%

LTV - Up to 60%

APRC 6.4%*

Product Fee £999

Cashback £750

Early redemption charges

As at 12th March 2025

Contact Us

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


Call us on +44 203 900 4322 to discuss your requirements.
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UK MORTGAGES FOR EXPATS

We offer a specialist mortgage service for expats providing:

Our service provides expert help to expats looking to buy or refinance UK property. 

Where can you find a UK mortgage as an expat living in Europe?

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.

Some UK high street banks have international arms which provide solutions to those living abroad in Europe, however the criteria for each of these lenders will differ. Criteria could include minimum loan size, the country you are based in, employment status, how long you have been an expat, your income and your age. 

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 the lenders we work with, nor is complex income, including earnings from stocks, shares and other investments. This means your whole income can be considered when calculating affordability.

Find the best deals on UK mortgages for expats in the Europe

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.

Whether you're living in Germany, France, Spain, Belgium, Denmark, Holland or any other country in Europe, we can find the best expat mortgage for your set of circumstances. 

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

 

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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