At AJM Financial we regularly work with expatriates in the UK who want to keep a foothold in their home property market. 
 
Non-UK residents often find the whole process of securing a mortgage very challenging and expensive. We have a substantial panel of lenders and plenty of experience in identifying and securing funding for people from all over the world at competitive interest rates. 

Why do expatriates need a special mortgage?

When you’re living and working overseas an expatriate or expat mortgage will allow you to buy a property in the UK. In contrast, an overseas mortgage allows you to buy a property abroad.

It can be difficult to obtain an expat mortgage because credit checks can’t always be completed easily.

As a whole-of-market mortgage broker we can consider complex income structures like family trusts, offshore investments, international wealth and multi-currency income profiles to find the most suitable mortgage option for you.

Types of expat mortgages 

Expat mortgages and remortgages are available for residential and buy-to-let properties* on a repayment or interest-only basis. Fixed, tracker and discount rates can all be available. 
Your main residence 
If you’re planning to move back to the UK or your family live in the UK and you want to buy a property for them to live in and for yourself when you return, we can identify residential mortgages and protection packages. 
Buy-to-let properties 
If you are planning to work abroad or are already working overseas you might want to buy a property or remortgage your home so that you can receive rental income while you’re away. 
* The Financial Conduct Authority do not regulate buy to let mortgages. 

International mortgages

You can secure an international mortgage for a property in a country that you don’t live in, whether it will be your main home, a second home, or a holiday home.

While UK banks will offer international mortgages, you will normally need to be based in the UK as a resident or citizen. However, there are alternatives that will provide more competitive deals. If you are currently based overseas and want to buy a property outside the UK you will need a tailored solution.

Contact AJM Financial for mortgage & protection advice 

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