Return to UK Purchase

By Justin Whitelock

Founder of Mortgage London (a trading style of City Finance Brokers Limited, authorised and regulated by the Financial Conduct Authority, FCA No. 766295)

A UK property purchase by borrowers currently living abroad and planning to move back to the UK, with lender consideration of return timing.

Related glossary terms

Holiday Let Mortgage

A specialist property mortgage covers buy-to-let lending where the property type, tenant structure, or use falls outside standard buy-to-let criteria. Two common forms are the Holiday Let mortgage, used for property let on a short-term basis to short-stay occupants rather than on a standard tenancy, and the HMO (House in Multiple Occupation) mortgage, used for

First-Time Buyer Relief

An SDLT relief that can apply when a buyer is purchasing their first residential property in England or Northern Ireland, offering a £300,000 nil-rate threshold.

Qualifying Property

An eligibility concept describing property meeting specific conditions attached to a relief or scheme, varying by context.

Expat Mortgage

An expat mortgage is a UK mortgage for a borrower living outside the UK at the time of the application, most commonly a British national working or living abroad. The label is residence-led rather than nationality-led: living overseas is the trigger that moves the case into the specialist lending market, regardless of nationality. Lenders typically