Can I help your Ex Pats?
Specialist whole-of-market lending solutions structured across 90+ UK lenders. Rapid decisions, direct underwriting criteria, and competitive terms for complex borrowing requirements.
- Whole-of-Market Access: Over 10,000 specialist lending products
- Fast Completion Speeds: Dedicated broker underwriting for time-sensitive deals
- FCA-Authorised Guidance: 35+ years independent UK credit brokerage
Can I help your Ex Pats?
With more Brits living and working outside the UK there is an increase in enquiries for Ex Pat mortgages via our panel of specialist Ex Pat lenders.
If you find Ex Pat enquiries time consuming or difficult to place let me deal with the specialist structuring freeing you up to move on to your next deal.
Types of Ex Pat Mortgages we can place:
- Wants to buy a property in UK to rent out
- Already own a property in the UK and want to rent it out as a Buy to Let
- Planning to return to the UK and need to purchase a new home
- Planning to return to the UK and need to convert a BTL into a residential mortgage
- Working abroad and want to purchase a property in UK for family to live in
We can also place mortgages for clients who:
- Are UK Nationals working in the UK but paid in a foreign currency
Key Criteria & Application Guidance
How can Promise help?
- All countries considered (except those on Government sanction list)
- No upper age limit
- All employment types
- LTV’s – up to 75%
- Loan Sizes – £3k – £2mil
- Property types – All
- No credit scoring, direct access to underwriters
- Rates – from 2.61%
- Interest Only available
- Earned income considered on BTL
- Consumer Buy To Let
- First time landlords
- Professional Landlords/Portfolio’s
Our group of lenders offer a wide range of Ex Pat mortgages which are underwritten on a case by case basis that takes into account the whole scenario.
Some typical ex-pat scenarios we have helped:
- Client living in Zimbabwe wanting to raise funds on a buy to let property he owns in UK to purchase a property overseas. We raised £300k on his UK BTL on the 5 year term he wanted.
- Client working in Qatar, paid in USD a first time buyer wanting to purchase a residential in the UK for when he returns; his deposit was gifted by family and we were able to get him a mortgage of 65% of the purchase price of the new property.
Latest Articles
Whole-of-Market Guidance for Expat Homeowner Loans
Securing competitive terms on expat homeowner loans requires expert underwriting knowledge. In addition, our specialist broker team works directly with over 90 specialist lenders across the UK.
Consequently, reviewing your expat homeowner loans options with an FCA-authorised specialist credit broker ensures whole-of-market access while avoiding unnecessary fees and delays.
Specialist Underwriting & Whole-of-Market Access
Because specialist lending facilities require bespoke underwriting, comparing lenders across the UK is essential. Explore our complete guide to Secured Loans Desk to understand how different lending criteria apply to your requirements.
Promise Money is an independent credit broker authorised and regulated by the Financial Conduct Authority (FRN 681423). Our experienced team reviews your specific circumstances to secure optimal terms across 90+ UK lenders.
Key Takeaways: Expat Homeowner Loans Checklist
Additionally, property valuations can often be expedited using automated models, significantly reducing upfront costs and surveyor delays.
Furthermore, specialist secured loan lenders assess affordability using total household income and realistic expenditure assessments.
Consequently, homeowners can secure substantial borrowing amounts even with historic credit blips or non-standard employment income.
Therefore, working with Promise Money ensures you compare optimal rates and terms across 90+ UK specialist lenders.
Specifically, flexible repayment options—including fixed, variable, and interest-only structures—can be tailored to your monthly budget.
Moreover, your existing low-rate primary mortgage remains 100% untouched, avoiding early repayment charges.
In addition, loan proceeds can be used for home improvements, debt consolidation, tax bills, or major personal investments.
Crucially, borrowers facing adverse credit, defaults, or past CCJs can secure competitive homeowner loan terms through our panel.
Understanding Market Rates & Repayment Terms
In practice, our dedicated loan advisers manage the entire application from initial quote through to fund release.
Above all, borrowing against your home equity typically offers lower monthly repayments than short-term unsecured credit.
As a result, homeowners retain complete financial control and enjoy clearer, more manageable single monthly commitments.
After all, independent whole-of-market advice ensures you never pay unnecessary broker fees or inflated interest rates.
Meanwhile, loans from £10,000 to £2,500,000 are available over flexible terms ranging from 3 to 30 years.
Indeed, rapid decision turnaround gives you the confidence to plan major financial commitments without unnecessary waiting.
Finally, clear illustrations provide total transparency regarding interest rates, lender fees, and total repayable amounts.
Unlike high street banks, specialist secured lenders take a common-sense approach to complex income and contractor earnings.
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Meet our specialist team
Learn about our 35 year story >
Steve Walker
Managing Director – 40 years of experience
Founding chairman of the Corporation of Finance Brokers. Specialist in UK residential mortgages, secured loans, and regulated bridging.
Simon Carr
Commercial Director – Proptech
Specialist in complex mortgages, commercial underwriting, and developer finance. Architect of Promise Money’s automated lending tools.