Expats Foreign Nationals

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With expat and foreign national mortgages choice of lenders and products are limited. 

As a result, in some instances, you might expect to pay a higher rate of interest than compared to a standard mortgage.

As you would expect there will be additional diligence checks carried out to assess your suitability, however there are a good suite of specialist lenders that cater to this niche.

In the case of Foreign Nationals living and working in the UK, you will normally need to have lived in the UK for at least two or three years, have a UK bank account, a credit footprint and a permanent job in the UK.

It’s therefore very important to get specialist advice if you are looking for a mortgage whether that is a standard or buy-to-let mortgage.

As a mortgage is secured against your home or property, it could be repossessed if you do not keep up the mortgage repayments. The Financial Conduct Authority does not regulate some forms of Buy-to-Let mortgages.