Expat Mortgages
Living abroad and need a mortgage? We have advisors who specialise in expat mortgages and can guide you to the lenders most likely to accept your application.
Expat Mortgage Advice
Getting a mortgage as a British expat can feel challenging, but with the proper guidance, plenty of options are available. Lenders often require stricter checks and sometimes a larger deposit. The good news is that there are specialist lenders who regularly work with expats and offer a range of options.
You might be living abroad and looking to buy/remortgage a home back in the UK, or you may want an expat buy-to-let mortgage to invest while overseas. Some lenders also support purchases in your country of residence, depending on local laws and currency arrangements.
At Online Mortgage Advisor, we have advisors who specialise in expat mortgages. They know which lenders are open to international applicants, what documents you will need, and how to present your case in the best light. This gives you certainty about your options and confidence moving forward.
“Getting a mortgage as an expat can feel complex, but it is possible. We explain what lenders look for, what documents you need, and guide you to the deals that suit your situation.”
Check your affordability
Use our calculators to see how much you could borrow and what your monthly repayments could be
Read our guides
Browse our expat mortgage guides to understand lender criteria, deposit requirements, and buy-to-let options.
Compare expat mortgage deals
Use our industry-first comparison tool to see lenders currently offering mortgages to expats.
Speak to an expert
Get matched with an advisor who specialises in expat mortgages and knows which lenders are most likely to accept your application.
We have advisors who understand how lenders assess expat applications and can help you secure the right deal. Make an enquiry today.
Our Guides
Read our guides to understand more about your situation
Mortgage Tools & Calculators
Professional tools designed to help you understand your mortgage options, compare rates, and make informed decisions about your financial future.
Frequently Asked Questions
Still have questions about mortgages, rates, or the application process? Our comprehensive FAQ section covers everything from first-time buyer queries to complex remortgage scenarios.
Interest rates on an expat mortgage are generally higher than a standard mortgage as lenders take on more risk with the borrower living abroad.
You’ll need a deposit of around 25% to get an expat mortgage, but this can vary depending on your circumstances and the lender you use.
Online Mortgage Advisor is an FCA-authorised mortgage broker serving customers nationwide. We secure the best deal with help from a specialist in situations like yours. Over 600,000 borrowers have trusted us to help them find the right deal, and we are rated Excellent on Trustpilot.
A mortgage advisor will search the market for you and recommend the best deal based on your situation. They do more than compare rates. They understand lender criteria, manage the paperwork, and know how to get complex cases approved. With expertise in specialist mortgages and strong lender relationships, they save you time, reduce the risk of rejection, and often access deals not available directly.
We make the mortgage process simple and manageable, whatever your situation. Our advisors handle both straightforward and complex cases, giving you certainty about your options and confidence in your next steps.
You will have a dedicated expert and case manager by your side from your first question through to completion, with regular updates so you always know what’s happening. We also give you the benefit of a one-stop experience by connecting you with trusted partners for conveyancing, insurance, and more. This way, you get clear answers, everything taken care of in one place, and peace of mind that your mortgage is sorted.
Your first chat with an advisor is always free and comes with no obligation. If you choose to go ahead, fees vary depending on the complexity of your case, but you will always know the cost upfront. You will never be charged without agreeing to it first.
Find out your best mortgage options today
You’ll have a dedicated team by your side from questions to completion, with clear choices and costs explained upfront. We’ll match you with a mortgage advisor specialising in your unique situation.