International Mortgages
International mortgage specialists for UK expats buying UK and overseas property, overseas nationals purchasing in the UK, and cross-border mortgage arrangements requiring specialist lenders experienced with non-UK income and residency.
Cross-border mortgage expertise
International mortgage lending requires specialist knowledge of overseas income assessment, currency risk, non-resident landlord obligations, and the specific lender criteria that apply to applicants not resident in the UK. Doulton Bridging Finance covers the full international mortgage market - from UK expats investing in UK buy-to-let from abroad, to overseas nationals purchasing UK residential property, and British nationals purchasing in key overseas markets.
Every international mortgage type placed
UK Expats - UK Buy-to-Let
British expats in Dubai, Singapore, Hong Kong, Australia, the USA, and Europe accessing UK buy-to-let mortgages from specialist expat BTL lenders. Foreign currency income accepted with standard haircuts.
Overseas Nationals - UK Residential
Foreign nationals purchasing UK residential property - for occupation or investment - from specialist lenders experienced with non-UK identity documents, overseas income, and non-resident mortgage assessment.
UK Expats - Residential Purchase on Return
British expats planning to return to the UK purchasing a residential property in advance of returning. Specialist expat residential lenders advance mortgages against the planned UK employment income.
Overseas Property Finance
British nationals purchasing property in key overseas markets - Spain, Portugal, France, UAE, and other destinations - are directed to country-specific legal and financial advisers through our international network.
Expat Remortgage
Expats with existing UK mortgages remortgaging when their fixed rate expires - from their overseas base. Specialist expat lenders manage the remortgage process for non-resident borrowers without requiring UK travel.
Non-Resident Landlord Compliance
NRL scheme registration guidance, UK tax return obligations for overseas landlords, and the interaction between overseas income tax obligations and UK rental income compliance - all advised on as part of the mortgage process.
How it works
Tell us your situation
Country of residence, nationality, type of property required, and currency of income. We identify the specialist international mortgage lenders most appropriate for your specific cross-border situation.
Documentation requirements
International mortgage applications require additional documentation: passport, overseas proof of address, overseas payslips or company accounts, overseas bank statements, and NRL scheme registration. We advise on the exact requirements for your specific jurisdiction.
Application and income assessment
Foreign income is assessed with currency haircuts by specialist lenders. We ensure the application is presented correctly for the income type and currency, maximising the assessed income within lender criteria.
Completion from overseas
Completion can be managed remotely - legal documents can be signed overseas with appropriate notarisation. We co-ordinate the legal process to enable completion without requiring travel to the UK.
International mortgage enquiry?
Tell us your country of residence, property requirement, and income currency. We identify the right specialist lender - same working day response.
Frequently asked questions
Can British expats get a UK mortgage while living abroad?
Yes. Specialist expat mortgage lenders advance UK mortgages - residential and buy-to-let - to British expats living abroad. Foreign currency income is accepted with standard haircuts. The NRL scheme applies to BTL rental income.
Can overseas nationals buy residential property in the UK with a mortgage?
Yes. Foreign nationals can purchase UK residential property and access mortgages from specialist lenders experienced with overseas income assessment and non-resident mortgage requirements.
Do I need to travel to the UK to complete a mortgage?
Not necessarily. Legal documents can be signed overseas with appropriate notarisation, and lenders have processes for remote completion. We co-ordinate the legal process to minimise the need for UK travel.
Which overseas currencies are accepted by UK mortgage lenders?
USD, EUR, AED, SGD, HKD, AUD, NZD, CAD, and CHF are accepted by most specialist expat lenders with standard currency haircuts. Less commonly traded currencies are assessed individually.
What is the Non-Resident Landlord scheme?
The HMRC NRL scheme allows non-resident landlords to receive gross UK rental income without UK basic rate tax deducted at source. Registration is straightforward and required for all overseas landlords with UK rental income.