Expat Mortgages | LDN Finance

Expat Mortgages

Are you a UK expat searching for property finance in the UK? If you’ve moved abroad and are looking to retain your existing property – or even purchase a new home in advance of your return to the UK – you’ve come to the right mortgage broker.


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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.

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our values

How we work



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.



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.



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

Can I get a mortgage as an expat?

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

How much deposit do I need for an expat mortgage UK?

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.

Can I get a mortgage as a non-UK resident?

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.


What is the maximum home finance value for an expat?

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.

Secure your expat mortgage with LDN Finance

If you are a British citizen currently living and working abroad who is looking to buy or remortgage property in the UK, this can have a considerable impact on the availability of UK property finance available to you. Not to mention the added paperwork and checks.

As a result, expats have often found it difficult to navigate the space. After speaking to multiple brokers to assess their options, many UK non-residents are left disappointed by extortionate rates from a limited number of mainstream lenders who are unable to view their circumstances holistically due to inflexible lending criteria. That’s where LDN Finance step in.

Working alongside the rest of your professional outfit – from accountants to solicitors – your personal adviser will present your case to our trusted network of specialist lenders in the best possible light. Once in possession of your whole story, your lender will take a holistic view on your complete wealth and asset profile to satisfy their lending criteria, and a tailored approach to your case.

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How do I get an expat mortgage in the UK?

The majority of mainstream lenders deem mortgages for expats in the UK as ‘non-standard’, and may struggle to work at a speed and time that suits your lifestyle overseas. Specialist lenders and private banks are much more agile in their approach.

For example, specialist banks can assess your wider individual client profile as a whole, considering multiple foreign income streams, worldwide assets, and your overall wealth as evidence of your affordability rather than UK-based income alone.

As such, using an experienced, specialist expat broker such as LDN Finance is crucial. We will work quickly and efficiently on your behalf, bringing our unrivalled knowledge of the expat property finance market, rates, terms and charges to the table. Working with our extensive network of lenders, LDN Finance is dedicated to providing you with the best property finance solutions to suit your circumstances – no matter the complexity.

We believe relationships are key to solving complex cases and expat acquisitions, and so we have worked hard to develop strong bonds with our network, built on trust, to ensure we secure the best possible terms for your circumstances every time.

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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.

Mr. M

July 2021

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.

Mr. S

August 2021

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.

Mr. H

July 2021

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Contact our professional and experienced residential mortgage advisers and start your property finance journey today.


Prefer to chat? Call us on 020 3903 9875


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