Global Mortgage Expertise
Visionary Finance helps international clients and UK expats secure mortgages for residential and investment properties. Our expert advisers navigate complex eligibility rules, currency considerations, and lender requirements, ensuring you access competitive rates, tailored solutions, and guidance throughout the mortgage process, whether buying, remortgaging, or expanding your property portfolio in the UK.
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Specialist Expat Mortgage GuidanceOur team understands the unique challenges expats face, providing expert advice on eligibility, documentation, and lender requirements for UK residential or buy-to-let mortgages.
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Access to Multiple Lenders
We work with over 40 specialist UK lenders, including options unavailable directly to the public, increasing your chance of finding the right mortgage product.
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Residential & Buy-to-Let Options
Whether purchasing your family home or a property for rental income, we help identify suitable mortgage types for your goals and financial circumstances.
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Currency Risk Management
For clients earning abroad, we provide guidance on currency exchange impacts and offer solutions to manage repayments effectively in foreign currencies.
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Support Through the Entire Process
From application to completion, we assist with paperwork, lender communications, and ongoing support to simplify an otherwise complex mortgage journey.
Navigating Expat Mortgage Complexities
Mortgages for expats can require higher deposits, additional documentation, and careful planning due to income, tax residency, and currency factors. Professional advice ensures compliance, maximises approval chances, and helps secure favourable mortgage terms tailored to your unique situation.
Expat Mortgage FAQs
Our Expat Mortgage FAQs answer common questions about eligibility, deposit requirements, mortgage types, and documentation, helping international buyers and UK expats understand the process and make informed decisions when securing residential or buy-to-let mortgages.
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What deposit do I need as an expat?
Deposit requirements vary: 20–30% for residential mortgages, 25–40% for buy-to-let. Amounts depend on lender criteria, property type, and your income profile, including foreign earnings. -
Can I get a mortgage if I live abroad?
Yes. Expat mortgages are designed for UK citizens or foreign nationals living overseas, though lenders have stricter eligibility rules and documentation requirements compared to standard mortgages. -
How do currency exchange rates affect my mortgage?
For clients earning in foreign currencies, fluctuations can change monthly repayment amounts. We provide guidance and solutions to manage currency risk and protect your finances. -
What types of expat mortgages are available?
Expats can access residential mortgages, buy-to-let mortgages, fixed-rate, tracker, or discounted products. Choice depends on property purpose, financial circumstances, and deposit size. -
Do I need a UK-based guarantor or co-signer?
Most lenders do not require a co-signer if eligibility criteria are met, but complex situations or non-standard income may require additional security or documentation. -
How can a broker help with expat mortgages?
An expert broker navigates complex lender criteria, compares competitive products, manages documentation, and increases your chances of approval while saving time and effort.
Mortgage Reviews
“Our adviser and administrator at Visionary Finance have been steward advisers throughout the lending acquisition process. The products are dictated by the lenders and the professional support from VF is critical to ensure an objective journey. Due diligence is tedious with international financing clients and attention to detail is important to manage, patiently and professionally.”
“In a turbulent year, our adviser’s professionalism, level of communication, care and sensitivity, and sheer tenacity, helped us secure a mortgage – even as we navigated the challenges of purchasing a UK apartment across three countries and during a global pandemic. When things go smoothly, that’s great, but it’s when things go wrong that you need a good person and a professional on your side. We cannot thank him and the team enough.”
Ali Cipriano
“I have been very impressed by the supportive service given to me by the team at Visionary Finance. My mortgage adviser didn’t tire even though our application for a mortgage was a challenge as one of us is a non-resident buyer which adds complication to the arrangement process. There were a number of rejections by some lenders but Visionary Finance kept going until success was reached. Thanks for your great efforts.”
Paul German
“My last 2 brokers were unable to sort out my mortgage, I felt helpless until I was introduced to Visionary Finance by the developer. I’m really impressed by their service, they have handled my case in a professional and efficient manner. They are always responsive and explained every step to me clearly. They are really committed and hardworking to help me with securing a mortgage offer, definitely recommended their great service.”
International & Expat Mortgage Resources
Explore our helpful guides and resources to learn more about the mortgage process, compare different products, and make confident, informed decisions when buying or investing in property.
