Jack was great, not a straightforward deal, but Jack went above and beyond.
Ex-Pat Mortgages
Ex-Pat Mortgages
UK property investment made simple for expats worldwide
If you live or work abroad, navigating the UK property market as an expat can be a challenging task, but it doesn’t have to be. At Word On The Street, we specialise in helping British nationals living abroad secure investments mortgages for UK property. Whether you’re a first-time landlord investing in buy-to-let property, expanding your current portfolio or looking to acquire commercial property, our team can guide you through every step of the process.
We provide expert mortgage brokering for expats buying or refinancing UK property and can often secure lending solutions even when high-street lenders decline. Lenders often have stricter criteria for expat applications due to factors like foreign income, residency status, and currency risks. We work with several lenders who understand expat needs and offer competitive expat mortgage products designed for overseas buyers and clients.
Who do we support?
- British citizens living abroad
- Expats returning to the UK
- Self-employed professionals with overseas income
- Landlords expanding their UK property portfolio
Our services
Buy-to-Let Mortgages – Invest in UK rental property with expert guidance
Preparing to move abroad – Are you moving overseas and want to remortgage your existing UK property as a Buy-to-Let
Bridging Loans – Short term solutions when you are acquiring an investment property on a tight timescale.
Remortgaging – Switch to a better deal or release equity from your UK property.
Specialist Lending – Solutions for complex income, credit history, or property types
Development Funding – Specialist funding for ground up developments or conversions.
Interest only or capital repayment
Buy-to-let mortgages are available on an interest only or capital repayment basis. With an interest only mortgage, the monthly payments are lower as you just pay the interest on your loan each month, but not the capital. This option may be suitable if you have a means to pay back your loan at the end of the term. On a capital repayment mortgage, the monthly payments are higher as you pay the interest and capital back each month, so your loan is paid off at the end of the term if you’ve not missed any payments.
Fixed, tracker, discount and variable rates
The different interest rates available on mortgages can be confusing. There are fixed, tracker, discount and variable rates. With fixed rates the payments are the same each month while with tracker, discount or variable rates the monthly payments could vary. Tracker rates are tracked at a percentage rate above either, the Bank of England base rate or ‘SONIA’ swap rates which can go up or down. Discount rates are at a percentage discount off the lenders Variable Rate which they may put up or down if the Bank of England base rate or SONIA rates change. variable rate is the rate you’ll move onto at the end of your fixed, tracker or discount rate period if you decide not to remortgage.
No, everything can be done via email, scanning documents, e-signatures and the post.
The amount required for an ex-pat mortgage or specialist finance will vary dependant on the specific lender or product. Typically 20-30% will be required as a deposit on a purchase transaction.
Typically, it takes 6 weeks to obtain a mortgage Offer for an expat mortgage, which includes application, valuation and full underwriting. It will then go to your solicitor to complete the final work required to move to exchange/completion.
To apply for an expat mortgage in the UK, you’ll need to provide a range of documents to help lenders assess your eligibility and financial stability. While exact requirements vary between lenders, you can typically expect to supply the following:
- Proof of identity: a valid passport or national ID card
- Proof of address: recent utility bills, bank statements, or tenancy agreements from your country of residence
- Proof of income: payslips, employment contracts, or tax returns if self-employed
- Bank statements: usually covering the last 3 to 6 months
- Credit report: from your current country of residence and/or the UK
- Details of the property: including the purchase price and intended use (residential or Buy-to-Let)
- Proof of deposit: showing the source and availability of funds
Additional documentation may be requested depending on your location, currency of income, or the specifics of the mortgage.
What our customers are saying:
Michael and the team were fantastic in securing my financing for an HMO purchase of mine. Quick and efficient throughout – would (and do) recommend.
I’ve used Michael and Ben at Word On The Street on several refinances and purchases now. Danielle is fantastic and so quick at getting back to you. I truly believe it’s not what you know, but who! Michael is very well connected and has been able to push things over the line quicker than any broker I’ve used previously! I’d recommend these guys in a heart beat! Another completion over the line today, on to the next one!
I’ve just re-mortgaged a property via Word On The Street, and may I say that Danielle was amazing! Couldn’t have done any better, and everything went smoothly. All my mortgage requirements will go through your company from now on. Thank you.
Very likely the best brokerage in the UK. 5* on all accounts.
I have worked with many brokers over the years, but none have come close to the professionalism and expertise of Word On The Street. They have managed my large and complex property portfolio with absolute precision, always finding the best solutions no matter how challenging the case. Communication is clear, proactive, and they go above and beyond to keep everything moving smoothly. Their market knowledge and network are second to none, which has saved me both time and money. I would highly recommend them to anyone serious about building or managing a property portfolio.
5* service from genuine people who really care about the outcomes of their customers.
I just want to say a huge thank you to Mike, Steve, Danielle, and Pauline at Word on the Street for all their help and support with my buy-to-let mortgage. From start to finish, they made the whole process smooth, stress-free, and surprisingly easy.
Their communication was excellent – always keeping me informed and answering any questions I had quickly and clearly. It really felt like they had everything under control, and I had full confidence in them throughout.
If you’re looking for a professional, friendly, and efficient team to handle your mortgage, I can’t recommend Word on the Street enough.
Thanks again for everything!
We have just completed our first refinance with Word on the Street with a specialist lending product. Micheal spent a lot of time on the phone with us to make sure he had full understanding of the structure on our side which enabled him to set us up with a lender that best suited our needs.
It was easily the smoothest/quickest remortgage we have ever done, with Micheal pushing it through until the very end to make sure we completed on time.
Special mention as well to the case manager Danielle who was on our case (no pun intended) to make sure we got the relevant documentation and inquiry replies back to her as quickly as possible to enable us to complete efficiently.
We currently have 2 further refinances going through with them now and the experience has been just as pleasant. 10/10 would recommend.
Professional service. Quickest refinance I have experienced on a portfolio of flats with HTB. Would definitely use again, Michael was always available on the phone to assist with any queries, and recommended a solicitor who got everything done for us in time!
How can we help?
Contact us today to learn more about our mortgage and loan product services and how we can help you achieve your financial goals.