Mortgages for Expats

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Can I get a mortgage as an expat?

Yes, it’s absolutely possible to get a mortgage as an expat. Expat mortgages are mortgages for former UK residents who want to buy a property in the UK, but either don’t live here anymore, or have recently moved back to the country.

Buying a home in the UK whilst you’re living abroad can make sense if you want to be able to return. It can be a great option as a safety net and also as an investment opportunity if you want to buy-to-let.

If you’re an expat looking for a mortgage in the UK, it can be more difficult than if you’re not an expat. That’s because UK mortgage lenders like to see a solid UK credit history and financial associations to the UK. So if you don’t have any up-to-date records that show this, it can mean only specialist mortgage lenders will consider and accept you for a mortgage. 

Each lender has different lending criteria for expats, but a lot of the mainstream lenders like uncomplicated applications, which can make it difficult if you’re an expat. Things like what country you live in, your financial situation and the type of property you want to buy will all affect how easy it is. But there’s plenty of specialist lenders who’ll consider your mortgage application. You just need a specialist mortgage broker. That’s where we come in.

Got questions?

Can I get a mortgage as an expat who is returning to the UK?

What is the lending criteria for expat mortgages?

What deposit do I need to get a mortgage as an expat?

Are there restrictions on how I can fund my deposit?

Can I get an expat mortgage with bad credit?

Why use Haysto?

We get how it feels when you’re refused a mortgage. We’ve been there. Haysto exists because the mortgage world is broken. If you don’t have a shiny credit rating, you’re self-employed with a complex income, or just don’t fit the mould, the odds are completely stacked against you. We just don’t think that’s fair.

Read our story

We help when others won’t

Unlike others, we only work on bad credit, self-employed and complex mortgages. That’s all we do. And we’re up for a challenge.


Speak to a real person

No robots, no automated answers. We use technology to connect you to a real person. Not replace them.


Your success is our success

We only get paid when your mortgage is approved.

Specialist mortgage brokers

Real people.
Real possibilities.

We don’t use technology to replicate humans. We use technology to enable us to spend more time on what matters most. Understanding your unique situation, and finding the right mortgage for you. Meet the experts. Not the robots.

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Applying for a mortgage or understanding your options shouldn't be confusing, yet there are just so many myths doing the rounds and it's not easy to know where to turn to get the right advice.

Complex situation? That’s all we do. Get connected to a specialist mortgage broker who can make a mortgage possible for you.

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