Best Expat Mortgage

United Kingdom

Best expat mortgage options for UK property

If you live outside the UK, most lenders will want a deposit of at least 25% and proof of steady income, and many high street banks will not lend at all. Specialist expat lenders and brokers fill the gap. Non-residents also pay an extra 2% stamp duty on UK homes.

Last checked 9 November 2026, published by Imago 77 Ltd

Best ways to get a UK mortgage while living abroad

A broker with expat experience can reach offshore and specialist lenders. If your case is simple and you meet a lender's criteria, you can also apply direct.

  1. 1. Apply direct to an expat lender

    Best for borrowers with high, steady income in a major currency

    • Lenders such as Skipton International and HSBC Expat lend to UK expats
    • Advisers report minimum incomes of about £50,000 (Skipton) to £75,000 (HSBC Expat, residential)
    • You only see that lender's products, so you cannot compare the market
    Visit site

  2. 2. John Charcol

    Best for borrowers who want a whole-of-market search, including specialist lenders

    • Whole-of-market mortgage broker with a dedicated expat team
    • Trading name of Pivotal Financial Limited, authorised and regulated by the FCA (firm reference 665649)
    • Works with British expats and foreign nationals buying UK property

    From the firm's published information, checked 9 November 2026. Ask the firm for a written fee quote.

    Visit site

  3. 3. Clifton Private Finance

    Best for larger or complex loans, including self-employed and foreign income

    • Offices in Bristol, Cardiff and London
    • Appointed representative of Fair Investment Company Limited, which is FCA authorised (FRN 192852)
    • Arranges expat loans from £150,000 to £25 million; usually paid by lender commission

    From the firm's published information, checked 9 November 2026. Ask the firm for a written fee quote.

    Visit site

No firm has paid to appear on this page. The order uses only public information and the criteria on How we rank. We have not used these firms ourselves.

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