Expat Mortgages: Returning to the UK

Looking to Secure a Mortgage When Returning to the UK? An expert mortgage broker can help.

Firstly, are you an Expat currently living aboard?

Home Uk Expat Mortgages Expat Mortgages: Returning To The UK
Pete Mugleston

Author: Pete Mugleston

Mortgage Advisor, MD

Updated: November 15, 2023

Getting a mortgage if you’ve just returned to the UK or are planning to return from abroad can be tricky.

This is mainly down to mortgage lenders finding it difficult to check both your address and credit history, especially if you’ve travelled around across numerous international locations.

Fortunately, there are a number of mortgage lenders who will consider such applications, some even at competitive high street rates. The type of applicant that would generally fit this criteria includes:

  • Living outside the UK and not yet returned as an expat
  • Only just returned to the UK in the past 12 months
  • Have a cash deposit of at least 5%-10%
  • Returning to the UK and going straight into full-time employment or receiving guaranteed retirement income
  • Returning to the UK and going straight into self-employment (deposit requirements would likely be higher for these cases)
  • Clean credit history for the past 6 years
  • Maximum mortgage requirements are equivalent to 4.5x annual 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 a mortgage broker we work with who has specific experience helping people under such circumstances.

If you don’t quite fit this criteria it’s still worth getting in touch and speaking with an advisor as they may know of mortgage lenders who can help with your situation.

Ask a quick question

We can help!

We know everyone's circumstances are different, that's why we work with mortgage brokers who are experts in Expat Mortgages

Ask us a question and we'll get the best expert to help.

Our Brokers

Get in touch today

Make an enquiry and we'll arrange for an experienced mortgage broker we work with to contact you straight away.

1 of 3
2 of 3
3 of 3 Send!

About the author

Pete, an expert in all things mortgages, cut his teeth right in the middle of the credit crunch. With plenty of people needing help and few mortgage providers lending, Pete found great success in going the extra mile to find mortgages for people whom many others considered lost causes. The experience he gained, coupled with his love of helping people reach their goals, led him to establish Online Mortgage Advisor, with one clear vision – to help as many customers as possible get the right advice, regardless of need or background.

Pete’s presence in the industry as the ‘go-to’ for specialist finance continues to grow, and he is regularly cited in and writes for both local and national press, as well as trade publications, with a regular column in Mortgage Introducer and being the exclusive mortgage expert for LOVEMoney. Pete also writes for Online Mortgage Advisor of course!

Read more about Pete

Pete Mugleston

Mortgage Advisor, MD

Maximise your chances of approval, whatever your situation - Find your perfect mortgage broker