How to get a UK mortgage after living overseas

UK mortgage after living overseas
Wednesday September 2, 2020


If you’re an expat returning to the UK after an extended period away, it can be more difficult to get a mortgage because of the lack of footprint in this country.

Take our recent client as an example; they had been away from the UK for 20 years and therefore had none of the usual records a lender usually relies upon, such as proof of address, earnings and registration on the electoral roll. Therefore, the lender could not apply the usual process to gain a credit score on which to base the client’s application. Added to this, the client was returning to the UK to take up a new role and therefore only had a signed employment contract to show the lender, rather than an established work history, backed up with pay slips and other records.

The client was looking to buy their dream home at a cost of £3.75m, borrowing £2.45m on a part interest only, part repayment mortgage. They needed the finance before starting their new UK role, so the challenges were mounting up for our Associate Director Tom Foster.


As a seasoned professional in this field, he knew the lenders to approach with this proposition and has direct relationships with underwriters. After explaining the complexities of the case and proving the client’s historical high earnings, the lender was open to bypassing their usual credit scoring processes, instead using a manual method to gauge suitability. This bespoke and common sense approach ensured that both the lender and the client were satisfied that their needs had been met, and our client is delighted to be starting their new life back home in the UK.

If you are facing a challenge with your lending, don’t hesitate to get in touch with our team of expert advisors.

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Your home or property may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it. Changes in the exchange rate may increase the sterling equivalent of your debt. You may have to pay an early repayment charge to your existing lender if you remortgage. Think carefully before securing any other debts against your home. is a trading name of Ltd, Aegon House, Ground Floor Suite, 13 Lanark Square, London, E14 9QD authorised and regulated by the Financial Conduct Authority (FCA). Our FCA registration number is 302228 and can be viewed by visiting the FCA website: The FCA does not regulate tax advice or some aspects of commercial, buy to let, overseas mortgages, bridging finance, finance and asset lending. Ltd is a licensed credit broker, and not a lender. Ltd Registered in England and Wales No: 5070990 Registered Address: As above. The guidance and advice contained within the website are subject to the UK regulatory regime and is primarily targeted at UK customers. Calls may be recorded for training and monitoring.
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