Leaving Harrison Brook UK

UK Mortgage Solutions for Expats and Returnees

Buying property or refinancing in the UK while living overseas—or planning your return—can feel overwhelming.

What we're about…

Keeping it simple

We cut through the complexity of managing finances overseas by avoiding jargon and obscure industry terms. Instead we prefer familiar, reassuring language, and simple financial planning solutions that make sense to everyone.

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With shifting lender requirements, limited access to suitable products, and the complexity of managing income across borders, UK expats and returnees face a unique set of mortgage challenges. At Harrison Brook, we offer tailored mortgage advice that cuts through this complexity and connects you with lending solutions that fit your personal and financial goals.

We are independent, FCA-regulated advisers with extensive experience working with British expatriates worldwide. Whether you are planning to return to the UK, invest in property as a landlord, or simply reassess your current arrangements, our goal is to ensure that your mortgage journey is efficient, transparent, and rewarding.

Who We Help

Our clients are typically:

  • British expats living overseas looking to buy or refinance property in the UK.
  • UK nationals planning to return and purchase a primary residence.
  • Professionals with multi-currency income, freelance or contract work.
  • UK-based returnees navigating the lending process after time abroad.

Whether your income is from Europe, the Middle East, Asia, the US, or elsewhere, we know which lenders are best equipped to assess your application fairly.

Why Mortgage Access Is Different for Expats

UK lenders are not always equipped to deal with non-UK income, international credit footprints, or flexible employment models. As a result, many expats find their applications declined, even when they are financially stable. We remove these roadblocks by working directly with lenders who understand international clients. With access to specialist lenders and private banks, we present your application with a clear and compelling case—maximising approval potential and minimising stress.

Our Mortgage Services

We provide support across a full suite of property finance services:

1. Mortgages

We help first-time buyers, home movers, and property investors secure mortgages for UK property. Whether you’re buying a future family home or a rental investment, we help you understand your options and get the best deal possible.

2. Remortgages

Already own UK property? We assist with remortgaging to reduce interest rates, raise capital, or change your mortgage structure. Even if you’re earning in a different currency, we can help.

3. High-Value and Private Banking Mortgages

Our clients often have complex finances—such as share-based income, overseas holdings, or assets in trusts. We source mortgages from private banks and wealth managers who provide bespoke solutions.

4. Mortgage Loan Insurance

Mortgage protection is essential, especially for international clients. We offer life, income, and critical illness cover suited to expat lifestyles, ensuring your loved ones and property remain protected.

How We Work

From initial consultation to final offer, we guide you every step of the way:

  • Initial review of your objectives and financial profile
  • Access to whole-of-market lenders, including specialist expat mortgage providers
  • Full application management, including documentation and lender communications
  • Ongoing support after your mortgage is completed

We act in your best interest—every time.

Get Started Today

If you’re living abroad or returning to the UK, let us help you secure the right mortgage. With tailored advice, deep market insight, and lender relationships built on trust, Harrison Brook makes the complex simple.

What Our Customers Say

Don't just take our word for it, here's what some of our clients have to say.

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Testimonials

  • "I found my personal private client adviser Ryan Frost to be very efficient, knowledgeable and helpful. I will not hesitate to recommend his services to others."

  • "Prompt reliable and expert help when needed.Transparent disclosure of all the costs involved. Friendly and efficient service I would highly recommend."

  • "Sound advice in difficult times. Acceptable prices when compared with alternatives. Regular contact and updates in clear understandable form."

  • "I would definitely recommend Harrison Brook to other people. My experience in working with our financial advisor was extremely positive. Speed of response and the level of attention to our needs and requests was great. Administration support was flawless."

  • "Excellent customer service all the way through, professional, proactive, patient in answering all my questions, immediate answer to emails, great follow up and communication, deep legal knowledge and legal experience in the field, all of which helped in having my pension transferred in a faster amount of time than normal. I’ve rarely received such swift and excellent customer service before. The whole complex pension transfer experience could have been heavy and stressful, but instead it was the whole opposite."

  • "It's a nerve-wracking thing to entrust your life savings to a person and company you have never met before. Ryan made the process easy. It was calm, I felt in control and was able to asks and get answers to all the questions I had. I am now all set up with my International SIPP and couldn't be happier."

Harrison Brook has a 5 star independent service rating on Feefo

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