Securing a mortgage in the UK can be challenging under the best of circumstances. For British expatriates and returnees, the process is often even more complex—particularly when it comes to proving overseas income, credit history, or residency status. At Harrison Brook, we specialise in helping UK citizens living abroad or planning to return home secure the financing they need for UK property purchases.
With a deep understanding of the unique challenges facing expats, our team of FCA-regulated advisers works exclusively on your behalf to find suitable lending solutions. Whether you’re a first-time buyer living in Dubai, a buy-to-let investor based in Hong Kong, or a UK returnee planning to relocate from France, we ensure that your mortgage journey is smooth and stress-free.
Who Can Apply for an Expat Mortgage?
We work with a broad range of clients, including:
- British citizens living and working overseas
- UK nationals returning to live permanently in the UK
- Dual nationals with UK property interests
- Expats earning in foreign currencies or via non-traditional contracts
- Self-employed or freelance workers abroad
Lenders assess expat mortgages differently, with stricter affordability criteria and documentation requirements. That’s where our expertise matters—we know how to package your application to meet lender expectations and improve your chances of approval.
Types of Mortgages Available
Residential Mortgages
If you’re returning to the UK permanently or buying a home for family use while working abroad, we help you secure a residential mortgage. These can be arranged in advance of your return to the UK, with flexible terms depending on your expected move date.
Buy-to-Let Mortgages
Many British expats purchase UK property for rental purposes while abroad. We work with lenders who understand international landlords and can offer terms based on projected rental income and foreign earnings.
First-Time Buyer Mortgages
Even if you’ve never owned property in the UK before, we can help you take the first step onto the ladder. We’ll guide you through the requirements, deposit expectations, and affordability assessments specific to your circumstances.
Overcoming Common Barriers
Traditional UK lenders often reject expat applications for reasons such as:
- No recent UK credit activity
- Income in non-GBP currencies
- Self-employment or contract work
- Residency in certain high-risk countries
At Harrison Brook, we know which lenders are open to these scenarios—and which to avoid. We work with high-street banks, building societies, and specialist lenders that cater to international borrowers.
Why Choose Harrison Brook?
- Independent advice: We’re not tied to any lender, so our recommendations are always based on your best interests.
- Whole-of-market access: We search across all suitable lenders, including those not available on the high street.
- Tailored support: From first enquiry to final decision, we help you every step of the way.
- Specialist experience: We understand expat life because we live it too.
Start Your Mortgage Journey Today
If you’re an expat or returning UK national looking to buy or invest in UK property, Harrison Brook is here to help. With expert advice, access to niche lenders, and a deep understanding of international financial profiles, we make it possible to achieve your UK property goals.
