Do I need a UK bank account to apply for an expat mortgage?
The vast majority of lenders will require a UK bank account. Some will open one as part of the application, but for others you will need to open one in advance of submitting the initial application.
Do I need to travel to the UK to sign anything?
No, everything can be done via email, scanning documents, e-signatures and the post.
What documents are needed for an expat mortgage?
To apply for an expat mortgage in the UK, you’ll need to provide a range of documents to help lenders assess your eligibility and financial stability. While exact requirements vary between lenders, you can typically expect to supply the following: Proof of identity: a valid passport or national ID card Proof of address: recent utility […]
How long does the application process take?
Typically, it takes 4-8 weeks to obtain a mortgage offer for an expat mortgage. It will then go to your solicitor to complete the final work required to move to exchange/completion.
How much deposit do I need for an expat mortgage?
Exact deposit amounts for an expat mortgage will depend on the lender and your circumstances, but typically 20-30% would be the minimum requirement.
Can I get a UK mortgage if I am an expat living overseas?
Yes, mortgages are available to UK expats living abroad, for both residential or Buy-to-Let purposes. Some lenders may have restrictions in place on which countries they accept. We help clients all over the world who don’t currently, or have never lived in the UK.
Can expats get a mortgage in the UK?
Yes, expats can secure a mortgage in the UK, but the process is often more complicated than for UK residents. Lenders have stricter criteria for expat applications due to factors like foreign income, residency status, and currency risks. However, with the right expert guidance, it’s entirely possible to find a mortgage that fits your circumstances. […]
Can I get a large mortgage if I have complex income or foreign earnings?
Yes, there are lenders available that will consider applicants with non-standard income, such as international earnings, investment income, or trust funds. Our expert advisers will help navigate your tax returns, business accounts and foreign currency income streams, for example, and connect you to the lender that’s most appropriate for you. Important: If your mortgage is […]
What documents are required to apply for a large mortgage?
Typical requirements include proof of income (salary, bonuses, dividends), tax returns or accounts for self-employed applications, bank statements and details of existing assets or liabilities. Complex cases may require additional documentation, which we will help gather and present to lenders.
Are large mortgages only available through private banks?
Not exclusively. While private banks often offer bespoke solutions for large mortgage borrowers, high-street lenders and mortgage providers also offer competitive large loan products. Our advisers compare the full market to find the right fit for your needs.