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.\n\nFortunately, 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):\n\n[checklist]\n<ul>\n \t<li>Living outside the UK and not yet returned as an expat<\/li>\n \t<li>Only just returned to the UK<\/li>\n \t<li>Mortgage when back in the country 3 months<\/li>\n \t<li>Mortgage when back in the country 6 months<\/li>\n \t<li>Mortgage when back in the country 12 months<\/li>\n \t<li>Minimum 5% deposit, but the more the better as it helps with credit score<\/li>\n \t<li>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.<\/li>\n \t<li>Clean credit history for the past 6 years<\/li>\n \t<li>Maximum loan size is 4-5x salary (so if earning 25k then max is 100-125k).<\/li>\n<\/ul>\n[\/checklist]\n\nIf you fit the criteria above then please make an enquiry and we'll pass you to the relevant <a href="https:\/\/www.onlinemortgageadvisor.co.uk\/uk-expat-mortgages\/expat-broker\/">expat mortgage broker<\/a>. 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.