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Getting a Mortgage as an Expat

July 2, 2019

Getting a Mortgage as an Expat

If you are looking to get a mortgage in the UK but currently live abroad, it may be a complicated process but there is help out there.

Expat’s searching for mortgages in the United Kingdom have more choices now. A few specialist lenders have launched buy to let products which cater for clients living overseas. They are offering fixed and variable deals, which would suit a purchase or remortgage.

Around 5 million UK nationals now live abroad; many of them want to keep hold of their property in England as an investment or a regular income.

It’s also easier to get a mortgage in the UK from some countries than others. The majority of mortgage lenders in this market have a list of countries where the can and can’t lend. (Due to sanctions on the country or a poor record on regulation)

The mortgages that are available to them are restricted, that’s why you would need to speak to a specialised mortgage broker.

Get in touch for friendly mortgage advice

Call us today on: 01202 232 160

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Once you have secured your mortgage and property, please remember to keep the tax office updated. If you live overseas for 6 months plus per year you will be classed as a non – resident landlord by HMRC. It’s always best to speak to HMRC if you have any questions or a local tax advisor.

Total Home loans is a national whole of market mortgage brokerage, offering a full advice and recommendation service – contact us today.

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Important Information

We do NOT charge any upfront cost. We may charge a typical fee of up to 2% of the amount of the loan for arranging a mortgage.

Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage. Equity Release will reduce the value of your estate and can affect your eligibility for means tested benefits.

Total Home Loans Limited is an appointed representative of Quilter Mortgage Planning Limited, which is authorised and regulated by the Financial Conduct Authority. Quilter Mortgage Planning Limited is entered on the FCA Register ( under reference 476653

Total Home Loans Ltd: Registered in England & Wales, No. 06436412. Registered Address: 470 Holdenhurst Road, Bournemouth, BH8 9AQ.

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