Expats
Are you an expat looking to buy or remortgage a property in the UK? Let us help you navigate the mortgage process easily. Whether you’re relocating for work or seeking investment opportunities, our expert team is ready to guide you every step of the way.
Let’s embark on
this voyage
together!
With a free, no-obligation consultation, we’ll tailor our advice to your unique needs, helping you turn your dream of owning a home in London into a reality.
We are here to answer any questions you may have
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As an expat, you’ll typically need to provide proof of identity, proof of income (such as payslips or tax returns), bank statements, and details of your employment. Additionally, some lenders may require certified translations of documents not in English. Our team can help you collect and certify these documents to streamline the process.
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Lenders in the UK can consider foreign income, but they may have specific requirements. Generally, you’ll need to provide proof of your income, and some lenders may apply a currency conversion factor. Our advisors are experienced in dealing with international income and can help you present your financial situation in the best light.
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As an expat, there are several tax considerations when purchasing property in the UK, including Stamp Duty Land Tax and potential capital gains tax if you sell the property later. It’s essential to understand how your tax residency status affects your liabilities. We can provide initial guidance and connect you with tax professionals for detailed advice.
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The timeline can vary, but typically, the mortgage application process for expats can take 4 to 8 weeks, depending on the lender and the complexity of your situation. We’ll keep you informed throughout the process and work to ensure everything moves as smoothly and quickly as possible.
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Absolutely! We have extensive connections within the mortgage industry and can help you find lenders who specialise in expat mortgages. Our expertise allows us to match you with the right options, ensuring you secure a mortgage that meets your needs.
Learn more about our Client Experience.
Securing a UK mortgage while living abroad isn’t always straightforward. Major banks have stepped back from lending to overseas clients, and new regulations, affordability checks and credit footprint requirements can make it harder to access finance, even for well-qualified borrowers. Whether you're an expat in Hong Kong or a foreign national in Dubai, the landscape has changed significantly.
Our Expat & Overseas Resident Mortgage Guide explains how to navigate the current lending environment, what challenges to expect, and how Altura can help you secure a mortgage through the right lenders. With strong links to more than 25 specialist institutions and decades of international experience, we make it possible to finance UK property from wherever you are in the world.
Download our
Expats Guide
Explore our Industry Insights
Get in Touch
We understand that buying a home from abroad can raise many questions. Don’t hesitate to reach out. We’re happy to assist you with any inquiries you may have and guide you through the mortgage process with confidence.