Home > Mortgages > Expat Mortgages


Borrow £25,000 to £2.5 Million.
Property Purchase and Re-mortgages.
CCJ's, Defaults and Missed Payments.
Mortgage Arrears.
No Initial Credit Check.


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We Gather Information Required to Search the Market

We gather some basic information about you using our quick online form

Conduct a Whole of the Market Comparision

We will search 100’s of providers to find you the lenders who are willing to approve your mortgage

Provide full service through to completion

We will show you rates along with the monthly repayments. This will not affect your credit score. We’ll also explain any fees if you progress at this point and as long as you are happy to proceed, provide you with the full service through to completion of your mortgage being accepted

Customer Reviews


How we work?
By making an enquiry we will contact you to discuss your needs and outline if we can be of assistance. We will then request a copy of your credit file for a qualified adviser to review. After a full review of your credit profile the adviser will discuss this with you, provide advice and discuss possible quotations.

If you wish us to proceed and get a ‘Decision in Principle’ we can do so. Once we have a decision from the lender we will discuss and email you a formal quotation and outline our process going forward.
What sort of bad credit do you accept?
We have lenders that will accept clients who have had County Court Judgements (CCJ’s), Defaults, Missed payments, Debt Management Plans (DMP), Individual Voluntary Arrangements (IVA) and discharged bankruptcy. The general rule is that any bad credit needs to be registered over a year ago.
Do I need a deposit / equity?
Yes. You will need a minimum of a 25% deposit however, this is does depend on the level of bad credit that you have, so for example, if you have had CCJ’s/mortgage arrears in the last 2 years you may need to have 40%+ deposit.
How long does a expat mortgage take to arrange?
Once a Decision in Principle (DIP) has been done the typical arrangement times from mortgage application to offer is 1 month. Specialist Expat mortgages do take more time when compared to standard high street mortgages, due to the extra due diligence that is required on these cases.
I have a low credit score – does that matter?
No. We have lenders some of whom are high street Building Societies that will lend to you if you simply have a low credit score, due to not being on the voters roll or not having much active credit. If you have a low credit score as a result of bad credit (CCJ’s/defaults/missed payments etc) we certainly have specialist lenders that can help.
I have been declined by other brokers – can you help?
The key to this question is why you were declined. We provide an advised service, so if we cannot help you now, we will explain why and provide advice as to what you need to do to be able to get a mortgage in the future.

Expat Mortgages - Mortgages For Bad Credit

Expat mortgages can occasionally be a little tricky to arrange for a number of reasons. But there are experienced specialist lenders who deal with expat mortgages and understand the nuances of this mortgage product.

If someone has been living abroad for a relatively long period of time then it becomes harder for a lender to check their personal circumstances. Employment details and income for example may be difficult and time consuming to verify accurately. Employers can be hard to identify and gathering all of the relevant and required information can sometimes be almost impossible, depending where the individual has lived and for how long. Checking a persons credit rating when they have been living in a foreign country where the majority or all of their income has been generated can sometimes be almost impossible, and lenders may shy away for this reason, as it is a key indicator of financial reliability and stability.

Generally seen as higher risk, expat mortgages can sometimes be offered with a higher interest rate to offset the potential risk involved. This may be an issue initially with someone wanting an expat mortgage but as that person grows his UK credit rating there is the future option of reverting to a standard UK mortgage product, often a repayment mortgage.

We have significant experience in helping people with expat mortgages and have some specialist lenders who operate solely in this field. Get in touch if you are considering an expat mortgage and we will save you time,money and heartache with efficient friendly advice on how best to get the mortgage that most suits your personal circumstances.



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