Expat Mortgages UK Case Studies

Client Our client rang us from Dubai on a Sunday, which is a working day there, having been put in touch by an existing client of ours in the same office. British, mid-forties, seven years in the UAE with a logistics firm, salary paid in dirhams into a local bank account. He already had two […]

Client A British couple who moved from Surrey to Boston nine years ago. Their two children have since settled into American life, progressing through US schools and now universities. Before relocating, the couple owned a three-bed family home in Surrey, which they kept and rented out after moving abroad, and they came to us for […]

Client Our client is a British expat living in Hong Kong who came to us for a UK mortgage for expats in Hong Kong, earning in HKD with a strong, stable employment record. He owned no UK property and had no active UK credit facilities, having spent most of his working life abroad. Background Having […]

Client Our client has lived in the Czech Republic for around 13 years, where he is employed full time managing a school. He owns his residential property there and also owns an unencumbered residential property in the UK, with no mortgage against it. He earns the equivalent of £60,000 a year in the Czech Republic. […]

Client A married couple who had recently moved back to the UK to live full time. The first applicant was British born, with the second an US citizen residing in the UK on a visa. They were looking to purchase a residential home for themselves and their family. Background The couple had owned a residential […]

Client A British couple who had been expats living in Spain for several years, alongside a portfolio of buy-to-let properties in the UK. The husband was employed by an international company, while the wife had predominantly been a housewife. With family ties back in the UK, the couple wanted to move home, and came to […]

Client A married British couple who emigrated to live in Australia a few years ago. The husband had secured a job as a GP and the wife as a local government officer, and the couple had since welcomed a child into the world. They owned a UK buy-to-let property with a fixed-rate deal coming to […]

Client Two foreign nationals applying jointly, both residing in the UK on working visas. The clients had previously purchased a mixed-use pub and residential property using a bridging loan, and came to us for a semi-commercial mortgage to exit the bridge. Background Having bought the property on a bridging loan, the clients refurbished it and […]

Client A husband and wife couple, both UK-resident expats. The husband was the sole earner on a very good income, but the difficulty arose from the currency he was paid in – he worked for a Saudi company and was paid in Saudi Riyals, despite being a UK resident, and came to us for a […]

Client A client with a large portfolio of 17 properties, held across mixed ownership structures: personal name, a limited company with his wife, and a limited company with his sister. The sister lives in Australia and, while a shareholder in the limited company, is not an active director, and the client came to us for […]

Client A British expat living and working in Angola, on a fixed-term contract of three years with a good income and no bad credit. She came to us for a second residential mortgage to buy a home in the UK for her mother. Background The client wanted to purchase a second residential property in the […]

Client A UK national who had relocated to Australia four years ago. He was an existing homeowner and had secured full-time employment since moving overseas, and came to us for a UK mortgage for expats living in Australia. Background The client wanted to remortgage his former residential address in the UK onto an expat buy-to-let […]

Client A couple, both expats currently based in the UAE and working full time, looking to purchase their first home back in the UK, in which they would reside for a third of the year. They came to us for a first-time buyer mortgage with adverse credit. Background Following our free assessment of their circumstances, […]

Client An expat teacher who has worked in Thailand for more than six years for a UK-based company, applying jointly with her husband, who works for a major holiday booking company and has been with them for more than five years. Together they came to us for an expat buy-to-let mortgage. Background The clients had […]

Client An expat sales director who was living in Hong Kong until recently moving to Japan. He works for a UK-based multinational company, earns a good income, and has most of his overseas expenses paid by the company. He came to us for an expat residential mortgage to buy a home for his family. Background […]

Client A UK-born expat who lives in Canada and has a residential property in the UK that she has rented out since leaving the country in 2016. She moved first to Singapore and then on to Canada. The property is currently on shared ownership, and she wished to purchase up to 75% and remove the […]

Client British expats living in the US looking to purchase a flat on a buy-to-let basis in London. They came to us having previously instructed another mortgage broker for the same application, as the other broker was moving too slowly. This had caused the vendor to become anxious and could potentially have resulted in the […]

Client An expat resident of Vietnam with an existing portfolio of three UK properties, who came to us for an expat mortgage to capital raise against one of them. The aim was to release funds to grow the portfolio further. Background The client wanted to capital raise on an unencumbered property – one owned outright […]

Client A British expat living in the USA who enquired about refinancing one of their buy-to-let holdings – in this case a two-flat multi-unit block on a single freehold. They came to us for an expat mortgage to release equity from a property they had bought for cash. Background The client had purchased the multi-unit […]