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Expat Mortgages in the UK and Europe

Find the right expat mortgage for the UK, France, Spain, Italy or Portugal

We are a UK regulated broker with over 25 years experience of arranging expat mortgages.

With a “no offer, no fee” policy, we can arrange your expat mortgage on most properties in the UK and Europe. We work with a broad range of international UK and European mortgage lenders and offshore banks and building societies, all with a proven track record in the expat mortgage sector to bring you the right product for your own personal circumstances, so you can be sure the organisations we help you select will understand the complexities of supporting and working with overseas clients. We help with a variety of expat mortgages including:  French Mortgages, Italian Mortgages, Spanish Mortgages & Portuguese Mortgages and UK Sterling Mortgages.

We work with lenders who have the ability to underwrite an expat mortgage based on an individual’s personal circumstances, so the fact that you may have left the UK some time ago or have no current credit record here will not be a barrier.

As a specialist expat mortgage broker, we take care to ensure that the lenders on our UK expat mortgage panel can respond to your expat mortgage requirements quickly and efficiently, so we can normally give an in principle decision on the phone, as you will be dealing directly with experienced and qualified expat mortgage specialists with many years of experience.

Your expat mortgage in the UK: How do I get the best expat buy to let mortgage rates?

There are several ways banks look at an expat buy to let mortgage application, some focus more on rental income, some focus more on salary or other income. If your expat buy to let has a high rental income, that helps. Alternatively, if you have at least a 25% deposit and have low levels of debt overall, that can help too. The higher the deposit you have to put towards your expat buy to let mortgage, the lower the rate often is.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Changes in the exchange rate may increase the sterling equivalent of your debt.

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