Expat Mortgage

Helping UK Expats Secure Property Back Home

Are you a UK expat looking to buy property in the UK? Whether you’re working overseas or living abroad permanently, Orchard Mortgage Solutions is here to help. We specialise in expat mortgage advice, giving British citizens abroad expert guidance and access to a wide panel of lenders.

We understand that buying or remortgaging a UK property from overseas can feel complicated. That’s why we simplify the process, offering tailored mortgage advice for expats that takes your unique circumstances into account.

✅ What Is an Expat Mortgage?

An expat mortgage is a mortgage arranged for a UK national who is currently living or working outside the United Kingdom. These mortgages are typically used for:

• Purchasing a UK home while living abroad
• Buying a UK buy-to-let property as an investment
• Remortgaging an existing UK property from overseas

Since many high street lenders won’t accept non-UK-based income, an expat mortgage is usually arranged through specialist lenders. That’s where we come in.

🌍 Who Can Apply for an Expat Mortgage?

You may be eligible for an expat mortgage if you:

• Are a UK citizen living abroad
• Work overseas, either permanently or on a fixed contract
• Have UK ties such as family, property, or income
• Want to buy or refinance property in England, Scotland, Wales, or Northern Ireland

We can help clients living in popular expat hubs like the UAE, Australia, Hong Kong, the USA, Singapore, and many more.

🏡 Types of Properties We Can Help With

At Orchard Mortgage Solutions, we assist expats looking to purchase or remortgage a wide range of UK property types, including:

• Residential homes
• Buy-to-let properties
• Student accommodation
• Holiday homes
• New builds and flats
• HMOs (Houses in Multiple Occupation)

Whether you’re buying for your return to the UK or building a UK property portfolio from abroad, we’ve got the right solutions.

🔍 Key Features of Expat Mortgages

Here’s what to expect with a typical expat mortgage:

• Deposit requirements: Often higher than standard UK mortgages (typically 20–35%)
• Proof of income: Must be verifiable and often in a recognised currency
• Currency exchange risk: Your income will be assessed in line with exchange rate fluctuations
• Interest rates: May be slightly higher due to increased lender risk

But don’t worry – we work with lenders who specialise in expat scenarios, helping to secure competitive rates and terms that work for you.

💼 How We Can Help

Orchard Mortgage Solutions offers expert expat mortgage advice that’s clear, honest, and always in your best interest. Here’s what you get with us:

• Access to specialist expat mortgage lenders
• Dedicated case management from start to finish
• Help with documentation and overseas income checks
• Clear communication across time zones
• Personalised mortgage recommendations based on your goals

We also offer buy-to-let expat mortgage solutions, expat remortgages, and mortgages for returning UK residents.

📈 Why Use a Broker for Your Expat Mortgage?

The expat mortgage market is niche – not all lenders advertise their criteria online, and many won’t deal directly with overseas clients. By using Orchard Mortgage Solutions, you gain:

• Access to exclusive deals not available direct
• Help understanding complex lender requirements
• A smoother, faster process
• Peace of mind that you’re getting the best available deal

We work for you – not the bank.

📝 Documents You’ll Need for an Expat Mortgage

To speed things up, here’s what most lenders will ask for:

• Proof of UK nationality (passport)
• Proof of address abroad
• Proof of income (employment contract, payslips, tax returns)
• Bank statements (local and/or UK accounts)
• Credit report (UK and/or local equivalent)

We’ll guide you through every step.

Whether you’re planning to move back, invest in a buy-to-let, or just want to keep a foothold in the UK property market, we can help.

Contact Orchard Mortgage Solutions today for independent expat mortgage advice tailored to your needs. Our friendly, professional advisers will help you navigate the process with ease – wherever you are in the world.

📞 Call us today 01257 543013 to speak with one of our expert advisers
📧 Or use our contact form to arrange a no-obligation consultation