International Mortgage Solutions

Buying in the UK as an Ex Pat or Foreign National

What We Offer

Working with a wide range of international banks to regional building societies and specialist lenders who are keen to help international buyers buy or remortgage their property assets in the UK.

Are you an expat or foreign national looking to buy or remortgage a property in the UK? Let us help you navigate the mortgage process easily.

Whether you’re relocating for work or seeking investment opportunities, our expert team is ready to guide you every step of the way.  

  • As an expat or foreign national, you’ll typically need to provide proof of identity, proof of income (such as payslips or tax returns), bank statements, and details of your employment. Additionally, some lenders may require certified translations of documents not in English. Our team can help you collect and certify these documents to streamline the process.

  • Lenders in the UK can consider foreign income, but they may have specific requirements. Generally, you’ll need to provide proof of your income, and some lenders may apply a currency conversion factor. Our advisors are experienced in dealing with international income and can help you present your financial situation in the best light.

  • There are several tax considerations when purchasing property in the UK, including Stamp Duty Land Tax and potential capital gains tax if you sell the property later. It’s essential to understand how your tax residency status affects your liabilities. We can provide initial guidance and connect you with tax professionals for detailed advice.

  • The timeline can vary, but typically, the mortgage application process for expats and foreign nationals can take 4 to 8 weeks, depending on the lender and the complexity of your situation. We’ll keep you informed throughout the process and work to ensure everything moves as smoothly and quickly as possible.

  • Absolutely! We have extensive connections within the mortgage industry and can help you find lenders who specialise in expat mortgages. Our expertise allows us to match you with the right options, ensuring you secure a mortgage that meets your needs.

People we help

  • Dubai based business owner who utilised profits from their Dubai Trading Ltd company to fund a residential property purchase for their family in the UK.

    Mr R.

  • We secured a capital raising remortgage on a UK residential property for a client residing in Geneva and employed by a blue-chip company with income in Swiss Francs (CHF)

    D & M.

  • We represented a Hong Kong based Buy to Let investor seeking a fully managed, low maintenance residential investment within the London property market.

    Mr Z.

5 Star Rated Service

Buying a UK property from thousands of miles away shouldn’t feel like a leap into the unknown. We are trusted by our clients to off a seamless, expert and international service.

It all starts with a no obligation discussion, we offer Zoom calls, Teams, Google Meet and Telephone Appointments.

  • We specialise in "complex" income profiles. From foreign currency earnings to intricate offshore company structures, we know which lenders appreciate your wealth and how to present your case to secure the best rates.

  • We manage the bank and handle the heavy lifting; from navigating strict AML (Anti-Money Laundering) requirements to coordinating with solicitors and ensuring the process is fluid and stress free.

  • We don’t just look at the high street. We provide access to private banks and specialist lenders that understand the nuances of expat and foreign national lending.

  • Distance requires communication. Our service is built on proactive updates and clear, jargonfree advice, ensuring you are never left wondering about the status of your application.

To arrange a free, no obligation chat simply send us your details below