Expat Mortgages in London
UK property finance for overseas buyers and investors
Living abroad but want to buy or refinance property in the UK? Our expert Expat mortgage brokers make it simple. We help British expats, foreign nationals, and overseas investors secure UK property finance quickly — with competitive rates, flexible terms, and a seamless end-to-end service.
- Fast property finance for complex deals
- Access to 100+ trusted lenders
- Competitive rates from 0.49% per month
- Flexible terms up to 25 years
"I couldn’t recommend this bridging loans broker more highly!"
Our Bridging Loan Services
About Our Firm
As a specialist bridging loan broker based in London, we provide fast, flexible funding solutions for time-sensitive property transactions. Our team works with a wide network of private, commercial, and international lenders to secure bespoke terms that traditional banks can’t match.
We act exclusively on your behalf, ensuring your loan is structured to your advantage — with clear communication, fast decisions, and no unnecessary delays.
Key Stats:
15+ Years’ Experience in property and finance
£500M+ Bridging Finance Arranged
Access to 120+ Lenders
Clients in 10+ Countries
What Is an Expat Mortgage?
An Expat mortgage is designed for UK citizens living abroad or foreign nationals purchasing property in the UK. These mortgages make it possible to invest, refinance, or buy a home in the UK while earning income overseas — whether in sterling or foreign currency.
You can use an Expat mortgage to:
Purchase a Buy to Let property in the UK
Refinance an existing UK property from abroad
Release equity for further investments
Buy a UK home to return to in the future
Our team specialises in cross-border property finance, handling every stage — from initial eligibility to completion — with full communication across time zones.
Types of Expat Mortgages Available
Expat Buy to Let Mortgages
Finance for rental property investments — ideal for expats generating income abroad who want to earn rental yield in the UK.
Expat Residential Mortgages
For overseas buyers purchasing a UK home to live in during visits or upon returning to the UK.
Expat Remortgages
Refinance an existing UK property to access equity, lower interest rates, or consolidate debt.
Limited Company / SPV Mortgages
Flexible structures for professional landlords or investors managing multiple UK properties from abroad.
Development and Bridging Loans for Expats
Short-term finance for overseas investors funding UK development or refurbishment projects.
Expert Expat Brokers You Can Trust
Our brokers have decades of experience structuring high-value deals for UK and international clients. We understand the complexities of short-term finance and specialise in finding creative solutions where traditional lenders can’t deliver.
Frequently Asked Questions
Yes — many UK lenders offer mortgages for British citizens living overseas or foreign nationals buying UK property. We’ll connect you with those open to your country of residence and income type.
Typically between 25–40%, depending on your income, credit history, and whether you’re buying residential or investment property.
Yes — several lenders accept foreign income, provided it’s from a reputable source and can be verified with payslips or contracts.
Not always, but it helps. We can advise on lenders who don’t require a UK account or can help you open one for mortgage payments.
Yes — many expats use SPVs for tax efficiency and ease of portfolio management. We can help structure your application correctly.
Rates vary depending on currency, loan type, and residency status — typically from 5% upwards. We compare lenders to secure the most competitive deal.
Absolutely. Many expats refinance to release equity or switch to a lower rate. Remote valuations and digital signing make this straightforward.
It can be more complex due to income verification and currency exchange considerations, but our specialist brokers manage this process end-to-end for you.
Usually proof of ID, address, income (such as payslips or tax returns), and details of any existing properties. We’ll confirm everything required early in the process.
Yes — we can arrange mortgages for second homes or properties intended for part-time use when visiting the UK.
Want
To
Talk?
We’ll review your scenario and outline your bridging loan options within hours.