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You can reach us directly by calling us between the hours of 8:30am and 5pm at each of our respective offices and we will immediately assist you.

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International Mortgages

Are you an expat looking to get a mortgage in the UK?

The moment you step off the plane and begin your life as an international worker, UK mortgages instantly become more complicated. At Skybound Wealth, we understand the complexities associated with international mortgages. That's why we provide expert UK mortgage advice specifically designed for expats living abroad who want to invest in UK property.

If you’re currently living abroad and looking to buy or remortgage a property in the UK, you’ll need an expat mortgage, as you won’t meet the criteria for a standard mortgage. Whether you're seeking to purchase a rental property or looking to maintain a property for your family whilst working abroad, with the right guidance, this can be a smooth and rewarding process for expats.

Ready to Start Your UK Property Journey? Contact Us for expert advice!

Common Challenges with Expat Mortgages

Expats looking for a mortgage abroad can face challenges in securing the best deal. With a multitude of providers and numerous different types on the market, one of the most complicated choices for an expat to make is finding the right mortgage lender. 

Factors like your credit score and income are how lenders can establish your borrowing history and decide whether to offer you a mortgage deal. If you’ve never lived in the UK, you will not have access to a credit record. Nonetheless, UK nationals living abroad can also encounter credit score problems. If you’ve lived abroad for more than six years, you may have no record at all in the UK.

Mortgage lenders also need to know that you can make your loan repayments. This means, they will assess your income to ensure you will be able to afford the monthly instalments. It may, however, be difficult to assess this for someone who is buying a house overseas. This is where a proficient expat mortgage adviser can help.

Lenders will also consider your employment status, as they need to see if you’re receiving a stable income. Therefore, you should be able to provide proof of earnings such as payslips, however, these need to be translated into English. Some lenders may even prefer your past income to have been paid into a British bank account.

Are Deposits Higher For Expats?

For expat mortgages, the required deposit is usually at least 25% of the property value. However, the requirements can vary depending on factors such as the location you want to buy, who you are borrowing from, the type of property you would like to purchase, and your current financial situation. In some rarer cases, you may be able to secure an expat mortgage with a 10% or 5% deposit, however, it could be that the bigger your deposit, the cheaper your interest rate is likely to be.

Applying for a mortgage for an international property comes with a variety of challenges and considerations. That is why it’s important to get professional help from a good mortgage broker. 

Once we understand your circumstances, Skybound Wealth will search hundreds of options to find the most suitable mortgage for you and your individual requirements. Whether you’re a first-time buyer, moving home or looking for a potential re-mortgage, we’ll provide you with the information on the best mortgages that are available to you.

Do you require expert advice on international mortgages? Contact us for more.

Talk to an Expat Wealth Manager

You can reach us directly by calling us between the hours of 8:30am and 5pm at each of our respective offices and we will immediately assist you.

Our International Mortgage Process

Securing an international mortgage comes with its obstacles, and it can seem like a daunting process. However, it doesn’t need to be. At Skybound Wealth, we leverage our extensive experience in global coverage and deep knowledge of the mortgage market to offer a streamlined process for international mortgages. We specialise in bespoke international mortgage planning, empowering you to invest in UK properties and secure a more stable financial future, no matter where you are in the world.

Our team of international mortgage experts is on hand to cut through all the red tape and get the facts on what options are available to help find the right deal for you. We offer:

  • Access to UK mortgage products from top providers, even for expats.
  • Tailored financial advice to help you secure the best deal.
  • Guidance through the entire mortgage application process.
  • Expertise in managing buy-to-let properties and long-term investment planning.
  • Solutions for expats planning to return to the UK or invest in its property market.

Whether you need an expat buy-to-let mortgage or planning to return to the UK in the future, the team specialises in navigating the complexities of UK property finance for overseas investors. 

If you’re looking for a quote or more information on mortgages, contact our team today.

Check Out Our Other Expat Financial Services

Getting an international mortgage can be more complicated than obtaining one in the UK. It's advisable to consult a mortgage broker experienced with expats, as they can help you find the best deals, improve your approval chances, and assist with paperwork to ensure accuracy. At Skybound Wealth, we provide an array of different expat financial services to help you get the right expat mortgage deal.

Retirement Planning

Retirement should be about putting your feet up after your life-long hard work. Our advisors will provide a streamlined plan so that you can do just that.

Learn More About Retirement Planning

Trust Planning & Wills

Considering what will happen to your assets once you’re no longer here can be challenging. We’re here to help. Speak to one of our advisors today.

Learn More About Trust Planning & Wills

Repatriation

Returning home after time abroad can be stressful and requires careful planning. Seeking guidance from the right advisor can help ensure a smooth transition.

Learn More About Repatriation

Reviews from Other Expats Seeking Financial Advice

Our team values the importance of offering a transparent service, ensuring our customers receive a bespoke service tailored to their exact needs. Our expert expat international mortgage advisers offer trusted and reliable advice which continuously exceeds the expectations of our clients. Check out our testimonials from individuals and families who have used our services for a stable financial future.

Check out our portfolio of positive reviews below!

Justin Stephenson

C.Steinwig Bridge – Malawi

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July 15, 2024
Very clear communication

I cant say enough how impressed I was with Chris Bowler throughout the on boarding process. Very clear communication and time spent on numerous questions that were asked.

D & J Wilkinson

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July 15, 2024
Impressed with his patience and diligence

We first met with Chris over 3 years ago and were initially impressed with his patience and diligence. He has always taken the time to understand our position when explaining investment options and making sensible suggestions – including when necessary, challenging some of our pre-conceptions. Despite the tricky investor environment over the last couple of years, Chris has always made himself available to provide different suggestions to optimize our portfolio to best deliver our investment objectives. We would definitely recommend Chris and the Skybound team.

Caroline

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July 15, 2024
So far so good!

I am very grateful for the help I have had from Chris Bowler at Skybound Wealth Management. I have been working with Chris for about 6 months now and he has been very helpful and responsive to my needs - initially in the explanation and setup of different savings and investment vehicles, and then in helping me move some of existing savings out of South African rands, and into a more stable USD based savings vehicle. It is still early days, but so far I am satisfied with the support I have received and have enjoyed working with Chris.

Why Choose Skybound Wealth Management?

With over 20 years of experience in global finance across four continents, our extensive expertise has earned us multiple international adviser awards and glowing 5-star reviews, underscoring our commitment to excellence. As independent and internationally regulated financial planners, we provide reliable support and personalised strategies to help streamline your financial plans and secure your future.

Get in touch with our team today to receive tailored financial advice to maximise your earnings!

Request a callback

By completing this form, you are consenting to receive telephone communication from Skybound Wealth Management, in accordance with our Privacy Policy.
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Your call back request has been received and we will arrange for a member of our team to call you at your desired time.
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Check Out the Latest News and Advice for Expats

Do you need more information about our financial services? Feel free to browse through the latest news and advice for our expats including blogs, articles and more!

  1. Home Loan Or Mortgage When Buying Property In Dubai
  2. Six Tips On How To Retire Early As An Expat
  3. Expat Parents in the UAE – Plan Ahead for Education Costs

Check out our Expat E-Guides

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Frequently Asked Questions

Can I get an expat mortgage with bad credit?

You can get an expat mortgage with bad credit, but it may pose more challenges that can make the process more complex and expensive overall.

Do UK banks offer overseas mortgages?

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Is using an expat mortgage adviser worth it?

A knowledgeable adviser can navigate the market effectively, making the mortgage process smoother and less stressful. With their expertise, you’ll spend less time searching for the right mortgage, as they already know which lenders are most likely to meet your needs. This not only saves you time but also reduces the hassle of going it alone.
To receive expert tips from a knowledgeable adviser, contact our team today!