If you are buying an overseas residential property, whether as a holiday or retirement home, or to live in permanently, or just as an investment, it is usual that you will have to pay for your property in a foreign currency and that you will require financing to complete the purchase.

Our mortgage advisers can offer you an excellent choice of overseas mortgages (including lending for expatriates and non UK nationals in the UK) with some fantastic deals through our extended panel of overseas mortgage providers.

Whether it's a second home, a holiday home, a retirement home or an investment property that you are looking to buy, we can help.

Andorra, Australia, Bahamas, Barbados, Belize, BVI, Canada, Cayman Islands, Cyprus, Dubai, UAE, Dutch Antilles, France, Gibraltar, Greece, Israel, Italy, Jamaica, Malta, Mexico, New Zealand, Poland, Portugal, South Africa, Spain, St Lucia, Switzerland, Trinidad & Tobago, Turks & Caicos, USA

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

These are mortgages available for UK citizens who are living and working abroad. If you own a UK property and are working abroad you can apply for a residential mortgage, even if this property is to be let for a few years until you return.

One of the typical problems in recent years has been that lenders have tended to limit their maximum loan to value (or 'LTV') to 75/80% where expatriate status is concerned. Some lenders now allow loans of up to 85% of valuation, albeit on potentially less attractive terms.

However if a family member is to live in the property as soon as the mortgage is taken you may be able to borrow up to 90%, or possibly even 95%*, of the property value.
Expatriate Mortgages, are mortgage products designed to cater for UK citizens who are living or working abroad (outside of the UK) and wish to obtain a mortgage for a property that is situated within the UK.

*Higher lending charges may apply.

We are able to arrange mortgages for UK expatriates, either currently working abroad or recently returned to the UK. You may be buying a home for your family, re-mortgaging  for a better interest rate or considering a buy to let. If you need a mortgage, contact us.  As an independent mortgage broker we are able to source your enquiry with all mortgage lenders. We also have access to exclusive mortgage schemes not available by direct application. 

On receipt of your enquiry, we will find the best mortgage for your situation. We will send you an illustration showing the costs involved. We will answer any queries promptly, and when you are ready to proceed with your mortgage application, we will send you the necessary forms to complete.

The Financial Services Authority may not regulate Overses Mortgages