For many British citizens living and working overseas, owning property back in the UK remains an important financial and emotional goal. Whether it’s for future relocation, family use, or building a buy-to-let portfolio, purchasing property while abroad comes with its own set of challenges. That’s where expat mortgages come in.
Expat mortgages are specialist loans designed for UK nationals who live outside the UK but want to buy or refinance property here. Since your income is based abroad—often in a foreign currency—foreign payslips, traditional lenders might reject your application. Expat mortgage lenders, however, are equipped to assess overseas income, convert currencies, and offer tailored affordability criteria.
If you’re an expat dreaming of owning in the UK or expanding your property investments, speak to a mortgage advisor at Empreso who understands the international landscape. With the right guidance, buying a UK property from abroad is entirely possible.
Keerthikan Jasydaran is an Associate Partner at Empreso and is CeMap qualified, currently training in mortgages and financial protection. Keerthikan has built a strong foundation through CeMAP and hands-on experience at Empreso Private Clients Limited.
Author: keerthikan
Associate Partner