Expat Mortgage Calculator – Instant UK Mortgage Estimates
Easily calculate your expat mortgage eligibility and monthly repayments for UK property investments.
Are you a British expat living overseas or a foreign national wanting to invest in UK property? Our Expat Mortgage Calculator is specifically designed help non-UK residents assess their borrowing capacity quickly and conveniently in their own time.
Whether you are buying a buy-to-let investment, purchasing a residential home, or refinancing an existing UK mortgage from abroad, our calculator provides immediate estimates of monthly repayments, loan amounts & interest rates based on the lending criteria for expat mortgages.
While many UK High Street banks and standard mortgage lenders may not accept expat applicants, a number of specialist lenders do it all the time! This mortgage calculator will help you understand what those lenders may be able to offer you – saving you considerable time while giving you a head-start in preparing for a successful mortgage application.
Simply enter your income in GBP, the property value, and deposit amount and you’ll instantly be shown what you may be able to borrow as an expat buyer in the UK! The calculator considers key variables that matter to lenders: loan to value (LTV), term length, and estimated interest rates for overseas applicants.
Use the calculator as your first step to securing a UK mortgage from abroad, then speak with one of our Expat Mortgage Advisors today for personalised advice and assistance.
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FAQs – Expat Mortgage Calculator
What is an Expat Mortgage?
An expat mortgage is a type of mortgage available in the UK, which is available to British citizens living abroad or foreign nationals looking to buy property in the UK.
Can I get a UK mortgage as a non-resident?
Yes, absolutely! There are several lenders who provide non-resident or expat mortgages but these typically have different criteria. Our expat mortgage calculator will help you provide a rough estimate based on your income and location.
How do lenders assess Expat Mortgage applications?
The Expat Mortgage Lenders will take into account your income, credit score, where your income comes from and what kind of property it is. The mortgage calculator gives you an idea based on standard criteria used by lenders.
What paperwork will I need to prepare before applying?
You will typically need proof of ID, proof of overseas income, proof of residency status in the foreign country you are living / working in, as well as full details of the UK property. Always speak with an expat mortgage broker after you have used our expat mortgage calculator UK.
Can I use the calculator if I'm paid in a foreign currency?
Yes, you will be able to use the mortgage calculator if your salary or income is derived from a foreign currency. The expat mortgage calculator uk allows for foreign income to be used and automatically converts to GBP to give you a good estimate for the UK mortgage options available.
Are the interest rates on an Expat Mortgage higher than a domestic homeowner mortgage?
Expat mortgage rates may be slightly higher than domestic homeowner mortgage rates due to the extra risk the lender is taking, however, there are always good competitive deals available through specialist expat mortgage brokers. Our mortgage calculator uses typical ranges for expat mortgages to give a good idea but always get in touch for a free quote.
