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returning expat mortgages

Get a mortgage when returning to the UK

Getting a mortgage if you’ve just returned to the UK or are planning to return from abroad can be tricky, as most lenders find it hard / impossible to track your credit history, especially if you’ve travelled round. Having little or no address history is either a flat decline with many lenders, or at best a real hindrance to your credit score which makes it hard to find finance full stop.

Fortunately, there are a handful of lenders who consider such applications, some even at competitive high street rates. The general criteria (at the time of writing and subject to change):

  • Living outside the UK and not yet returned
  • Only just returned to the UK
  • Mortgage when back in the country 3 months
  • Mortgage when back in the country 6 months
  • Mortgage when back in the country 12 months
  • Minimum 5% deposit, but the more the better as it helps with credit score
  • Full time employment or retirement income – day one self employed are not acceptable, neither is overseas self employed income as lenders don’t accept this. There must be a minimum of 12 months self-employment and 12 months in the UK if self employed.
  • Clean credit history for the past 6 years
  • Maximum loan size is 4-5x salary (so if earning 25k then max is 100-125k).

^^^ If you fit the criteria above then please make an enquiry and we’ll pass you to the relevant advisor. If this isn’t you, then I’m afraid finding a mortgage will be very difficult / impossible, and you’ll need to change your circumstances or wait until you have a longer UK address history of over 12 months.

About Pete Mugleston

Pete is our top financial expert, involved in writing, training and speaking all things mortgages. His presence in the industry as the 'go-to' for specialist finance continues to grow, and he is regularly cited in and writes for publications both locally and nationally. Pete's range of experience covers all manner of areas, in particular mortgages for people with adverse credit, the self-employed, and buy to let investors, as well as specialist types of insurance such as business protection cover for those with pre-existing medical conditions.


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