UK Mortgages for Professionals Based Overseas
Mortgage London arranges UK mortgages for professionals living and working abroad, and for foreign nationals acquiring UK property. The firm operates through City Finance Brokers Limited, an FCA-authorised broker with independent whole-of-market access, reaching specialist expat lenders, private banks, international banking divisions, and selected high-street lenders with genuine appetite for overseas clients.
Expat applications involve foreign currency income, international documentation, non-resident tax, and a narrower lender pool. We manage that complexity on your behalf, from initial consultation through to completion.
What we help you structure
Expats Purchase and Remortgages
Residential mortgage products for UK expats buying or refinancing UK property from abroad. The entire process is coordinated remotely, including lender research, application preparation, and liaison with your solicitor.
First-Time Buyer Expat Mortgages
For overseas-based professionals purchasing their first UK property, often without UK credit history or an existing UK banking relationship. Specialist lenders who do not require a UK financial footprint.
Interest-Only Mortgages for Expats
Interest-only products available for expats who meet specific criteria, with repayment vehicles assessed case-by-case by specialist lenders.
Self-Employed and Contractor Expat Mortgages
For professionals earning through overseas companies, on contract, or with complex income structures. Lenders comfortable assessing non-standard employment arrangements.
High-Net-Worth and Private Bank Mortgages
Bespoke lending solutions for high-value property purchases, including private bank products, Lombard loan facilities, and complex income assessment for high-earning professionals.
Guarantor Mortgages for Expats
Family-support options where a UK-based guarantor can support an expat's mortgage application, broadening lender availability and improving borrowing capacity.
Mortgage London is paid by the lender, not the client
There are no upfront fees, no application fees, and no charge for the initial consultation. On successful completion, Mortgage London earns a commission from the lender, disclosed in writing before any application is submitted, in line with FCA requirements. Clients pay the same mortgage rate whether they apply direct to the lender or through Mortgage London.
“We are paid by the lender on completion, not by the client, and clients pay the same rate either way. Removing the fee barrier means the right people get the advice, regardless of whether their case is straightforward or complex.”
UK mortgages placed for expats and foreign nationals
£757,000,000
Do I need to be a UK resident?
No. Mortgage London specialises in non-resident clients: UK expats living overseas and foreign nationals based either abroad or in the UK on a visa. Lender appetite varies by country of residence and by income currency, but in almost every country we serve there is a lender who will lend to the right case.
Can you help if I've already been declined elsewhere?
Often, yes. A decline from a high-street bank is one of the most common reasons clients come to Mortgage London. Mainstream lenders use tick-box criteria that struggle with cross-border circumstances; specialist lenders, private banks, and international lending divisions assess cases on the full picture. A decline at one lender does not mean a decline at all lenders.
How quickly can a UK mortgage be arranged from overseas?
For straightforward cases, typically 6 to 10 weeks from initial consultation to completion. Complex cases involving private banks or multiple jurisdictions may take longer. Early engagement, before you have an offer accepted on a property, is the single biggest accelerator.
What documentation will I need?
For an initial assessment, we typically need your country of residence, employment or business status, income currency and broad income level, property type, estimated value, and approximate borrowing requirement. Full documentation is gathered later in the process and varies by lender; we guide you through it step by step.
Can the whole process be managed remotely?
Yes. The UK mortgage process is well-established for international clients, and every stage, from identification and documentation to valuation and completion, is handled digitally or through UK-based advisers acting on your behalf. You will not usually need to travel to the UK for the mortgage itself, although some clients choose to for property viewings.