Expat Mortgages

Living overseas doesn’t mean you can’t invest in UK property. Whether you're a British citizen working abroad or a foreign national with ties to the UK, expat mortgages can help you buy, remortgage, or invest in the UK housing market. At WIS Mortgages, we specialise in helping expats navigate lender requirements and secure the right mortgage, all free of charge.

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Key Benefits

Access to UK Mortgage Lenders:

We work with lenders who specialise in expat cases, including applicants paid in foreign currencies or with overseas residency.

Buy-to-Let & Residential Options:

Whether you’re investing in a rental property or planning to return to the UK, there are mortgage products tailored to both goals.

Flexible Documentation:

Some lenders accept non-standard income documents or allow applications without a UK credit file, depending on your circumstances.

No UK Residency Required:

You don’t need to be living in the UK—expats can apply from abroad, including from countries across Europe, Asia, the Middle East, and beyond.

Fee-Free Expert Advice:

Our team provides whole-of-market advice at no cost, helping you navigate currency, residency, and lender requirements with confidence.

Eligibility Criteria and Requirements.

Who Can Apply?

You may be eligible for an expat mortgage if you:

Are a UK citizen or passport holder living abroad
Are a foreign national with UK property ties (e.g. buy-to-let or family residence)
Earn income in a recognised currency
Are looking to buy or remortgage a UK-based property
Can provide documentation of income and residency

What are the Requirements?

Most expat mortgage lenders will ask for:

Proof of ID and UK nationality (e.g. passport)
Proof of overseas residency (utility bill, tenancy agreement)
Evidence of income (e.g. employment contract, payslips, tax returns)
Bank statements (usually 3–6 months)
A UK bank account (or be prepared to open one)
A deposit—typically 20%–30% depending on property type and country of residence
A clean credit history—UK credit file helpful but not always required

Please note: Meeting these criteria does not guarantee mortgage approval. All applications are subject to underwriting and affordability checks by the lender.

Instant Mortgage Quoting

Use the quick and simple quotation system to get a mortgage quote in seconds.

How the Application Process Work?

Applying for a mortgage through our service is straightforward

Book an Appointment

Book an appointment with one of our advisers to discuss your mortgage requirements. Be transparent about your situation so we make the whole journey much smoother for you.

Download MortgagX app

Download MortgagX app, fill in a few key details, select the recommended mortgage product, upload your documents and relax till we get your mortgage sorted.

Completion

Enter your new dream home!

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Processing times vary depending on lender efficiency and individual case complexity.

Important Information And Regulatory Disclosure

Risk Warning

Your property may be repossessed if you do not keep up repayments on your mortgage.

FCA Authorisation

This service is provided by WIS Mortgages, which is authorised and regulated by the Financial Conduct Authority.

Fee & Commission Disclosure

We act as a mortgage intermediary and may receive commission from lenders. A fee may be payable for mortgage advice, which will be disclosed clearly in advance.

Adviser Disclosure

This content is for informational purposes and does not constitute personalised financial advice. Mortgage advice will be provided after assessing your individual circumstances.

Frequently Asked Questions

Find answers to some of the most common questions about mortgages, applications, and our services.

Yes. There are few lenders who offer mortgages to UK nationals and foreign nationals living overseas, including for buy-to-let and residential purposes.

Not always. Some lenders will accept expats without a UK credit file, though having one may improve your options and rates.

Most lenders accept income in stable, widely traded currencies such as USD, EUR, AED, and SGD—subject to currency and country risk assessments.

Typically, a deposit of 20%–30% is required, depending on the lender, property type, and your country of residence.

Yes. Many lenders offer expat mortgages and will consider foreign currency income, though exchange rate risk is factored in.

It helps, but it's not always essential. Some lenders will accept limited or outdated UK credit history if other criteria are strong.

Yes. UK nationals living abroad and some non-UK citizens can apply, subject to visa status and residency checks.

Not always, but some lenders may require a UK account for payments or request one before completion.

Yes. If you're buying a buy-to-let property, lenders will assess expected rental income, sometimes alongside your personal earnings.

Often, yes. Expat mortgage products typically carry slightly higher rates to reflect the added complexity and perceived risk.

Want to Talk it Through?

020 3011 1986 help@wismortgages.co.uk

We will be delighted to speak with you on the phone through our live chat feature now.

*Call us from Monday to Friday (9am to 6.30pm) and Saturday (9.30am - 3pm) We accept applications over the phone