Care Financials

Mortgages For Expats

Expat Mortgages UK

Want to get a mortgage as an expat in the UK? Or do you wish to retain your existing properties or simply want property finance opportunities in the UK? You must seek assistance from some credible financial service providers.

Look no further than Care Financial Service, as we offer our expat mortgage clients the best property finance solutions.

Considering Inflexible lending criteria, we all know how challenging it can be to get a quality mortgage in the UK as an expat.

Hence it’s vital to join hands with specialist expat brokers like Care Financial Service, as our trusted lenders will analyze your wealth and asset profile to satisfy that lending criterion and offer tailored solutions for your case. 

NOTE: We work, as introducer, with a number of reputed, well established mortgage brokers to offer mortgage services at the best possible rates who will assist you in finding the ideal home and securing the right mortgage by utilizing their in-depth expertise in estate agency mortgage services.

More About Expat Mortgages in the UK

Over the years, we concentrated on building strong and trusted relationships with our network of lenders. Hence we are willing to conduct credible credit searches and solve expat acquisitions. Hence we are eager to entertain you with the best possible mortgage finance solution in every circumstance. 

Make Expat Finance Easy

The application process for a mortgage is lengthy and complicated, especially when you are an expat living abroad but wish to mortgage property in the UK. The lending obstacles like multi-currency income, tax requirements, paperwork, and checks make it daunting for expats to navigate the space. 

Expats are often frustrated due to limited numbers of mainstream lenders who seem unable to help considering lending criteria and not to mention the sky-high rates. This is where Financial Care Service comes in to guide you regarding mortgage investment. 

We will shed light on your case in front of our network of lenders to ensure that you get a tailored approach to your case. 

While working alongside solicitors and accountants, we will critically analyze your assets and wealth. To make you appear attractive to a mortgage lender so that getting an expat mortgage won’t be daunting.

Ways To Get Expat Mortgage in the UK

For expats settled abroad, getting a mortgage in the UK is never easy because of the non-flexible approach of private banks and specialist lenders. And not to mention mainstream lenders and how they fail to work as per your working schedule overseas. 

But they can be so helpful regarding getting the best mortgage. For instance, banks can provide evidence of your credibility by assessing your multiple foreign income streams, overall wealth, and assets rather than just your UK-based income. 

In such a scenario, it’s vital to seek assistance from knowledgeable specialist expat brokers such as Financial Care Service. We are a team of leading and efficient financial experts working efficiently to offer you tailored solutions. We offer our clients better insight into the property finance market, rates, terms, and conditions for better understanding. While our certified network of lenders will come up with the best expat property finance solution to custom fit your circumstances. 

Giving Future To Your Living

Stress-Free Advice

Our friendly & personable advisors offer you a free impartial mortgage advisory service from start to finish.

Market Flexibility

We ensure we'll find the best deal available for your circumstances regardless of which lender it comes from.

Choose your Mortgage

Our experienced financial advisors compare over numerous products to find the one best suited to your needs.

Quick and Simple

We can avoid many of the delays often encountered when searching for your own loans and get things processed quickly.

How Can Care Financial Service Help?

Our certified brokers work efficiently on your behalf and help with high-value expat borrowing. In contrast, our strong network of lenders and private banks offer market-leading expat mortgage finance regardless of the complexity. Our experts will bring unrivaled knowledge of the expat property finance market, explains their terms and charges, and offers the best rates. To help you get the perfect property mortgage to fit your circumstances without any complexities. 

First Time Mortgage - Eligibility


You should be at least 18 years at the time of the mortgage.


You need at least 5 to 10% of the property value depending on the situation

Credit Score

You should have the bank specified credit score.

Frequently Ask Questions

If you have a question that deals with clients, customers or the public in general, there is bound to be a need for the FAQ page.


It can be a little more complicated but don’t worry. Getting a mortgage in the Uk won’t be an issue for you if you have a stable career, attractive income and an outstanding track record. 

If you have all these things, you may start planning your new life in the UK and consider expat mortgages and there has never been a better time to move to England.

However, some specific signs can cause mortgage lenders to deny your application for an expat mortgage in the UK. For example, if:

  • Your primary income source is coming from overseas. 
  • Your credit history isn’t traceable. 
  • You don’t appear settled. 
  • You are too old. 

Processing an expat mortgage in the UK is undoubtedly time-consuming and difficult, but with a little planning, it may be quick and easy.

  • You need to have a UK bank account.
  • You must have a UK address to open a UK bank account.
  • A minimum of three years should pass before you apply for a mortgage in the UK.
  • It will be more beneficial if you were working a permanent job in the UK as well.
  • Evidence of your additional sources of income, such as investments, should be provided.

Many mortgage professionals would speak of an expat mortgage or a mortgage for expats even if it’s not a formal product.

Although simple, the procedure is rather pricey. You must save money aside and be ready to pay a lot of additional charges when hunting for a house.

  • Organize your finances. 
  • Submit an offer on a property if you find it appealing (usually based on the asking price). 
  • The seller will get this offer from the estate agent, and if they accept it.
  • Obtain a general mortgage agreement.
  • Hire a conveyancer or a lawyer. 
  • Publish a survey. 
  • Your mortgage application must be finished. You can now submit your application in its entirety and request loan approval. 
  • Exchange agreements. 
  • Pay the stamp tax. The final challenge is paying stamp duty on the acquisition. 

One of the largest property markets in the world, the UK is quite popular with overseas investors. It has been observed as the world’s top property market.

London is particularly well-liked. In London, real estate costing £3.3 billion was purchased by foreign purchasers last year.

The UK is undoubtedly one of the best places in the world for expats because of its robust international links. In the UK, you will discover a vibrant expat community that will welcome you regardless of where you are from.

Since Brexit, the UK has mandated that foreign nationals who wish to use public services, such as healthcare, must apply for official residency. Not all expats will meet the conditions to become residents because there are several of them.


The content on this page is based on our understanding and knowledge at the time of publication. It may be subject to change and may not be applicable to your circumstances, so should not be relied upon. Please contact us if you require further information about the content included on this page.

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