Expat Mortgages
Working with our extensive network of lenders, LDN Finance is dedicated to providing our expat mortgage clients with the best property finance solutions to suit their circumstances – no matter the complexity.
Arranging a high-value expat mortgage for UK property is naturally more complicated than if you were still residing in the UK. Considering the lending obstacles presented by foreign currency, multi-currency income, tax requirements, and assets such as offshore investments, it’s easy to see why.
At LDN Finance, we understand that mortgages for expats require a bespoke and tailored approach. It all comes down to strong relationships and industry contacts. Our expert brokers have a wealth of experience in securing high-value expat borrowing, working closely with our trusted network of private banks and specialist lenders who offer expat property finance at competitive, market-leading rates.
To discuss your expat mortgage and circumstances in more detail, get in contact with our professional and experienced team today.
our values
How we work
Service
Service excellence is at the heart of our business. We are renowned for our highly personal and bespoke approach to securing property finance for our clients, ensuring you feel in control and confident throughout your investment journey.
Expertise
We thrive in complex, challenging scenarios and work creatively in our negotiations with our trusted network of mainstream, private and specialist lenders to ensure we always secure the best possible outcome for your circumstances.
Relationships
We mean it when we say we see you as a valued partner. Our relationship with you is important to us and our team will continue to serve as your personal property adviser long after your first deal with us is completed and over the line.
Frequently Asked Questions
Yes, it is possible to get a mortgage if you are living outside the UK or have recently moved back to the UK. However, UK expats often find it harder to access standard mortgages compared to current UK citizens. Expat mortgages are specifically designed to help UK expats buy property in the UK. Learn more about applying for an expat mortgage with LDN Finance here
In order to lower the risk, most mortgage lenders will require that UK expats put down a deposit of at least 25%. Should you choose to put down more, this will lower your loan-to-value ratio, potentially giving you a better mortgage rate.
Non-UK residents may apply for a mortgage in the UK. However, you will often find that it is more difficult to access mortgages compared to UK citizens. In such cases, a foreign national mortgage may be a better option. Check the section on foreign national mortgages for more information.
The maximum home finance value most UK mortgage lenders will allow varies between 3.5 and 6 times the value of the applicant’s total annual income depending on the lender. Other factors that may influence the total value include employment history, additional debts, number of applications, financial dependents and the amount of financial outgoings.
Testimonials
Our happy clients
Excellent and outstanding professional service from start to finish. From offering as many options as possible, to explaining to me very quickly what the benefits are and what I should really be thinking about moving forward. Thoroughly recommend.
5 Stars! The LDN team supported us purchasing our family home, without their support and as an expat it would have been very difficult to obtain our new home in the UK. I would totally recommended them.
Johnny Martin held our hands through the entire process calmly and professionally. Brilliant service, efficient and swift in response to everything. He made the entire journey uncomplicated even when the bank made it complicated. Highly recommended.
we are here to help
Get in touch
Contact our professional and experienced residential mortgage advisers and start your property finance journey today.
Prefer to chat? Call us on 020 3903 9875
5-star assurance for service and excellence