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Expat mortgages
Whether you’re a British expat buying from overseas or a non-UK national buying here, specialist lenders can help. We’ll find them for you. Get in touch for a free, no-obligation chat.
Your first consultation is free. Leave your details and an adviser will call you back.
Expat mortgages
There are two main types: mortgages for non-UK nationals buying a residential property in the UK, and mortgages for British expats buying here from overseas.
Many lenders accept expat borrowers, but some see you as higher risk — living overseas makes it harder for them to check your credit and run anti-fraud checks. That can mean higher rates.
Some specialist lenders are more flexible in how they assess applicants, and we can help you find them.
It certainly makes things easier. Some banks offer expat accounts that accept foreign currency. For foreign nationals, opening a UK account is an important first step — and British expats who already have one will find it helpful too.
Lenders always check your credit history, but years abroad can leave little visible UK credit information. That won’t necessarily mean a decline, but it can make the process harder. Speak to a broker about what it means for you.
Speak to an expert
Our advisers are experienced in a wide range of clients, needs and property types — so you can be confident of quality service and sound advice.
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Why Energise Mortgages?
01
Yes. The UK is popular for expat buy to let — property is easy to find and rental demand is strong. With at least a 25% deposit it’s generally straightforward; 40% or more opens up more lenders and lower rates.
Lenders base the loan on expected rent, so research rental values carefully in the area you plan to buy.
02
There’s no single expat product — the right deal depends on your situation and goals. We’ll explain all the options and the routes to achieve your plans.
03
Buying as an expat is more involved than for a UK resident. We get to know your situation, search banks, building societies and specialist lenders, then support you through the full application.
Related guides
Your home may be repossessed if you do not keep up repayments on your mortgage.
Meet the adviser
There’s more to me than just mortgages. I also have a love for the countryside and a unique venture — my alpaca farm. Nestled in the countryside near York, my alpacas are not just my furry friends, but also a testament to my dedication to diverse interests.
Alpacas, much like mortgages, require careful attention, understanding and a keen eye for detail. Just as I meticulously evaluate mortgage options, I apply the same diligence to caring for my herd — a blend of financial acumen and agricultural expertise that sets me apart.
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Google reviews
“I had a fantastic experience with Steven as my mortgage broker. He was professional, knowledgeable and incredibly helpful throughout the whole process.”
Arnaldo KB
Google review · August 2026
“Steven gets it. He’s been round the block and knows all the things you hire a mortgage adviser for. It’s a no-brainer — save yourself time, money and effort.”
Matt Chappell
Google review · August 2026
“Working with Steven was easily the best decision we made during our home-buying journey. As first-time buyers, he made the process feel simple.”
Kirsty
Google review · August 2026
