The situation
Standard UK lenders often decline non-resident applications outright. Specialist expat lenders (a defined subset of the market) assess foreign income properly, manage remote KYC, and lend against BTL or second homes.
How we approach it
We route expat cases to specialists who genuinely underwrite this profile — including private banks for larger deals. Sterling-denominated loans on sterling-generating properties keep FX risk manageable.
What that looks like in practice
- BTL and second-home expat mortgages typically 65-75% LTV
- Foreign income (multiple currencies) assessed with sensible haircuts
- Non-dom and non-resident tax status accommodated
- Private banking route for larger deals (£1m+)
- Remote signing and KYC via approved channels
Typical timeline
- Week 1-2Confidential brief, income and residency documentation.
- Week 3-6Specialist lender application, valuation.
- Week 6-10Offer, legals, completion.
Common questions
Do I need to be back in the UK to complete?
No — remote signing via UK notary or embassy is standard. KYC done via approved channels.
What if my income is in a non-major currency?
Harder but possible. Major currencies (USD, EUR, CHF, SGD, HKD, AED) are standard; others need specialist assessment.
Are there specific countries lenders won't lend to?
Yes — sanctions-affected countries and jurisdictions with weak AML frameworks are excluded. We check at outset.
UK property from overseas
Send a confidential brief — we'll route to specialist expat lenders that genuinely underwrite your profile.