What it is, and what it isn't.
Mortgage lending for expats and foreign nationals is a specialist market. High-street lenders typically want a UK income, UK credit history and a UK address, though most of our clients have none of those.
We work with a panel of private banks, specialist expat lenders and international mortgage providers to arrange residential, buy-to-let and commercial mortgages on UK and international property.
Why our clients use it.
The four things our clients most often tell us they value, drawn from a decade of conversations about this part of our work.
UK property for expats
Residential and buy-to-let lending for non-resident clients, including foreign-income borrowers.
Foreign-currency mortgages
Borrowing in your earnings currency to avoid FX-mismatch risk on repayments.
Private bank lending
For larger or more complex cases, including lombard lending against existing portfolios.
International property
Mortgages on overseas property in selected jurisdictions: France, Spain, Portugal, UAE and others.
A simple, four-step engagement.
From the first call to ongoing service: what to expect, and when.
Brief
Understand the property, the buyer, the currency and the timeline.
Market
Approach the appropriate lenders, typically 3–5 quoted for comparison.
Agreement
Indicative offer in 5–10 working days; full offer in 4–6 weeks.
Completion
Coordinate with conveyancing and ensure funds arrive on time, in the right currency.
The questions we actually get asked.
If yours isn't covered, we're an email or a phone call away; see Contact below.
Start the conversation.
We offer an initial consultation without fee or obligation. It is a chance to discuss your circumstances and determine if our approach fits your needs.