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.
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
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).
Frequently Asked Questions
Ready to Get Started?
Speak with one of our expert advisers today — initial consultation at our expense, and without obligation.