Can a UK Expat Buy A House In The UK ?

Expats are seeking UK security

In this current volatile and dangerous world, many Expats are seeking safety and security in keeping or buying a UK home.

UK Expats based in the Middle East can find comfort in the security and flexibility a UK property offers.

There is little doubt expats are looking for security in these turbulent times as mortgage enquiries are at an all-time high.

Good news is there are higher loan to value deals readily on offer to assist both new and re-mortgage applicants.

Many positives for 2025 and beyond

The expat investor whether new or existing can be encouraged by the fact good rental property is in high demand in the UK.

Mortgage rates now seem to be stable and property values continue to increase. So, all in all there is plenty of reasons to be optimistic your investment is sound and profitable.

Is using a specialist expat mortgage broker for you?

If so, the broker will take control of the mortgage process, therefore relieving you of the stress and paperwork. They will be able to deal with the mortgage company supplying the loan and answer any queries they may have, saving you time and money.

Items you will need to apply for an expat mortgage

Contact details

Property purchase details

Deposit available

Certified proof of address

Certified ID (Passport)

Bank statements (Normally 6 months)

Wage slips (Normally 6 months)

Certified accounts if self-employed.

These requirements vary from lender to lender and the above is just to give you a guide to help speed up the process. Contact us for any assistance you may require.

Help required?

If you are an expat looking for a new or re-mortgage, please do get in touch and one of our fully qualified independent advisers will be happy to assist.