Expat & Overseas Mortgage Support

UK mortgage advice for British expats and overseas residents. Whether you're purchasing, remortgaging or releasing equity. We arrange it from wherever you are in the world.

FCA Regulated

Extensive Lender Panel

Based in Uxbridge

UK Wide Coverage

24hr Response

5★ Reviews

UK Mortgages, Wherever You Are

Whether you're a British expat living abroad, a foreign national looking to invest in UK property, or a returning expat who needs to arrange a mortgage before you're back on UK soil. We have access to specialist lenders who cater specifically to non-UK residents. Criteria, rates and acceptable countries vary significantly between lenders, so specialist advice is essential.

What We Can Arrange

UK residential mortgage for British expats living overseas

UK buy to let mortgage for expat landlords

Foreign national purchase of UK property

Remortgage of existing UK property from abroad

Equity release for expat homeowners

Multi-currency income assessment

Properties across England, Wales, Scotland and Northern Ireland

Competitive rates from specialist expat lenders

Get Expert Advice

Free, no-obligation consultation. We'll be in touch within 24 hours.

Key Considerations

• Country of residence: Lender appetite varies by country. Some countries are restricted. We know which lenders accept which jurisdictions.

• Currency of income: Your income may be in a foreign currency. Lenders apply exchange rate buffers which can affect affordability.

• UK tax obligations: You may have UK tax obligations on rental income or capital gains. We recommend seeking specialist tax advice.

• Deposit requirements: Typically higher than UK-resident applications, often 25–40%.

How It Works

Initial Consultation

We discuss your situation, income, goals and any concerns, at our expense and without obligation.

Market Search

We search our extensive lender panel including specialist lenders to find the best deal.

Application

We prepare and submit your application, managing all lender communications.

Completion

We coordinate with solicitors and the lender through to completion day.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Chess Mortgages is a trading style of Chess Property Services (London) Limited (Company No. 6575229), authorised and regulated by the Financial Conduct Authority (FCA No. 748976).

Related Services

Buy to Let

Investment property finance.

Learn more

Large Loan Mortgages

High-value property lending.

Learn more

Remortgages

Remortgage your UK property.

Learn more

Frequently Asked Questions

Can I get a UK mortgage if I live abroad?

Yes. Specialist lenders cater to British expats and, in some cases, foreign nationals. The key factors are your country of residence, income currency, deposit and the type of property you want to buy.

What deposit do I need as an expat?

Typically 25–40% for residential purchases and 25–35% for buy to let. Some lenders may accept lower deposits for expats in certain 'low-risk' countries.

Can I get a BTL mortgage as an expat?

Yes. Expat buy to let is one of the most common expat mortgage types. We have access to multiple lenders who offer competitive expat BTL rates.

How do you handle the process remotely?

We conduct everything by phone, email and video call. Documents can be signed electronically in many cases, or certified at a local embassy or consulate where required.

Ready to Get Started?

Speak with one of our expert advisers today, initial consultation at our expense, and without obligation.

Book a Consultation 0208 756 1 756