Email Address :- akram@stgeorgecommercial.co.uk
Mortgage for UK Expats
Mortgage for UK Expats
Mortgage for UK Expats
Secure your UK property while living abroad — with expert guidance every step of the way.
At St. George Commercial Finance Brokers Ltd., we specialise in helping UK nationals living overseas purchase or refinance property back home. Whether you’re planning a future return, looking to invest in a buy-to-let, or securing a home for family in the UK, we make the process smooth, compliant, and tailored to your expat lifestyle.
🌍 Who Is This For?
UK citizens living abroad for work, study, or retirement
UK passport holders earning in foreign currencies
Expats with limited or no UK credit history
Those purchasing residential or buy-to-let properties
Clients needing mortgages in personal or limited company names
✅ Key Features
Loan-to-Value (LTV) up to 75%
Income accepted in multiple foreign currencies
Residential, buy-to-let, and holiday home mortgages
Access to specialist expat lenders and high-street banks
Support with limited UK credit history
Interest-only and repayment options
End-to-end remote application process
📋 Required Documents (Typical)
UK passport
Proof of current overseas address
Proof of income (employment or self-employed)
Foreign bank statements
UK property details
Source of deposit
🔐 Why St. George?
As a trusted expat mortgage broker, we understand the challenges expats face — time zone differences, currency risks, foreign paperwork, and distance from UK-based processes. Our experienced brokers coordinate everything on your behalf: from assessing lender eligibility to guiding you through legal and financial steps.
We liaise with:
UK and international lenders
Solicitors and valuers
Currency exchange providers (if needed)
Need Assistance ?
Whether you need assistance with financing or have a question about our services, our team is here to support you.
- 01273 855 711
- akram@stgeorgecommercial.co.uk
What is the criteria for Mortgage for UK Expats
In general terms, the criteria for What is the criteria for Mortgage for UK Expats iclude the following :
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UK Passport Holder –
Must be a British citizen living abroad, with proof of residency outside the UK.
-
Verifiable Foreign Income –
Stable income in an accepted currency; employment or self-employed proof required.
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Minimum 25% Deposit –
Most lenders require at least a 25% deposit; source must be legal and documented.
-
Property in the UK –
Residential or buy-to-let properties located in England, Wales, or Scotland.
- Limited UK Credit History Accepted – A UK credit file helps, but some lenders accept limited or no credit history.
Testimonials
"Living in the UAE, I thought getting a mortgage in the UK would be complicated. St. George made everything incredibly simple — even with my salary in AED. Highly recommended!"
"The team at St. George helped me secure a buy-to-let mortgage in Manchester while I was working in Singapore. They handled time zones, paperwork, and got me a great rate."
"As an expat with no recent UK credit history, I struggled with banks. St. George found me the right lender and supported me through every step. Fantastic, stress-free experience!"
Can UK expats get a mortgage on UK property?
Yes, UK citizens living abroad can get a mortgage to purchase or refinance residential or buy-to-let property in the UK. Specialist lenders cater specifically to expats.
What income do lenders accept for expats?
Lenders accept foreign income from employment or self-employment, provided it’s in a stable, recognised currency and can be verified with payslips or tax returns.
Do I need a UK credit history?
A strong UK credit history is helpful, but not essential. Many lenders accept applicants with limited or no recent UK credit, especially with a strong financial profile abroad.
How much deposit is required for an expat mortgage?
Most lenders require a minimum of 25% deposit, though this can vary. The deposit must be from a legal, documented source.
Can I apply for an expat mortgage remotely?
Yes. The entire process — from application to approval — can be handled remotely. At St. George, we coordinate all paperwork, legal steps, and communication on your behalf.