About Expat Mortgages UK
Expat Mortgages UK is the specialist mortgage division of Commercial Finance Network – one of the UK’s leading independent finance brokers. We work exclusively with British expats and foreign nationals, helping them secure UK mortgages based on overseas income, foreign currency earnings, and non-standard employment structures that mainstream lenders routinely decline.
Our clients range from first-time buyers planning an eventual return to the UK, to experienced property investors building portfolios from Dubai, Singapore, Hong Kong and beyond. What they have in common is a need for lender access and application expertise that a standard UK broker simply can’t provide.
We are whole-of-market, which means we work across every specialist expat lender in the UK – not just a panel. That access, combined with the relationships we’ve built with those lenders over many years, means we regularly secure deals that other brokers can’t reach.
Every client gets a dedicated mortgage advisor and a dedicated case manager. No call centres. No handoffs. The same two people from first conversation through to completion.
Expat Mortgages UK is directly authorised and regulated by the Financial Conduct Authority – Reference 796413.
Our Values
- Market-leading customer service
- Independent and whole-of-market
- Transparent at every stage
Being whole-of-market matters in the expat mortgage space more than anywhere else. The specialist lender pool is smaller, criteria vary significantly between providers, and the deals that suit overseas applicants aren’t available through comparison sites or standard broker panels. Our independence means we work across the full market – and pass that access directly to our clients.
Whether you’re adding to an existing UK property portfolio or securing your first purchase ahead of a return home, we find the right lender for your specific income structure, employment type and property – not the closest available fit.
Previous declines don’t close the door. The lender relationships we’ve built over years in this market mean we regularly place cases that other brokers couldn’t. If you’ve been turned down elsewhere, that’s often where we start.
Regular Communication and 24/7 Updates
Every client is allocated a dedicated mortgage advisor and a dedicated case manager from the moment they come on board. Both are contactable directly – by phone and email – and both stay with the case through to completion. There are no handoffs, no call centres, and no chasing a generic inbox to find out what’s happening.
For clients based overseas, waiting for UK office hours to get an update isn’t practical. The WiiN portal – Where Is It Now – solves that. Every stage of your application is visible in real time, from any device, at any hour. When a stage completes or when something is needed from you, an automated alert goes out immediately so nothing sits waiting unnecessarily.
The combination of a dedicated contact and a live case tracker means our clients always know exactly where their application stands – whether they’re in Dubai, Singapore, New York or anywhere else.
