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 access to a broad panel of lenders, 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.
Our Fee and Payment Process
There are no upfront fees and no charge for the initial consultation. On successful completion, Mortgage London earns a commission from the lender and any fee charged by us is confirmed upfront and not charged until you are in receipt of your full mortgage offer. Everything is 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.”
Over £1 Billion in UK Mortgage Lending Arranged
£1 Billion
Mortgage London is a trading style of the City Finance Brokers group, a collective of specialist brokerages that has arranged over £1 billion in UK mortgage lending, including mortgages for expats and foreign nationals.
Yes. As long as you have a stable income and meet the lender’s affordability criteria, you can secure a UK mortgage while living overseas. We work with specialist expat lenders, private banks, and high-street lenders who actively support non-resident applications.
Most expat mortgage lenders require a deposit of 25%, though some specialist products are available with 20%. Larger deposits typically unlock more competitive rates. We can advise on the right loan-to-value ratio based on your circumstances and goals.
Yes — many of our lender partners accept income paid in major foreign currencies including USD, EUR, AED, HKD, SGD, and CHF. Some lenders apply a currency haircut (typically 25%) to account for exchange rate movements; others use the full income figure.
A typical expat mortgage takes 4 to 8 weeks from initial application to completion, depending on lender, documentation, and the property transaction timeline. Complex cases involving private banks or unusual income structures may take longer. We coordinate the process end-to-end.
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.