Mortgage
Foreign Nationals & Expats
Buying property or arranging finance in a new country can feel complex, especially when lending criteria and legal requirements differ from what you’re used to. As a foreign national or expat, you may face additional checks around residency status, income, and currency — but with the right guidance, securing a mortgage is absolutely achievable.
We specialise in helping foreign nationals and expats access tailored mortgage solutions. Whether you’re living abroad, newly relocated, or earning income in multiple currencies, we work with lenders who understand your circumstances and can offer flexible options suited to your profile.
From initial eligibility checks through to completion, we provide clear, step-by-step support, handling the complexities on your behalf. Our goal is to make the process straightforward, transparent, and stress-free, so you can move forward with confidence in your property plans.
Can foreign nationals get a mortgage?
Yes. Many lenders offer mortgages to foreign nationals, although criteria can be stricter. Factors such as visa status, residency, income source, and deposit size will influence eligibility.
Do expats living abroad qualify for UK mortgages?
Yes. UK expats can often obtain mortgages, including for residential or investment properties. Lenders will assess overseas income, employment stability, and currency risk.
How much deposit will I need?
Foreign nationals and expats usually require a larger deposit than UK residents, typically between 20–40%, depending on your circumstances and the lender.
Can I use overseas income?
Yes. Many lenders accept overseas income, including foreign salaries and self-employed earnings. Some may require income to be converted to GBP or evidenced over a longer period.
Does my credit history from another country count?
Overseas credit history may be considered, but UK lenders often place more weight on UK-based credit records. We can advise on steps to strengthen your application if needed.
What types of properties can I buy?
You can usually purchase residential homes or investment properties. Some lenders may restrict certain property types, which we’ll guide you through before applying.
How can you help?
We assess your situation, identify suitable lenders, manage the application process, and liaise with all parties involved — ensuring the best possible outcome with minimal stress.
First-Time Buyer
Buying your first home can feel overwhelming, but the right mortgage can make everything much easier. As a first-time buyer, you may have access to products designed specifically for new homeowners, including lower deposit options and competitive rates.
We’ll walk you through each step—from understanding your choices to securing a deal that suits your budget—so you can start your homeownership journey with confidence and clarity.
Remortgage
Remortgaging can be a smart way to improve your current mortgage and strengthen your finances. Whether you want to lower your monthly payments, release some extra funds, or secure a better rate, We’ll help you understand your options clearly.
We’ll compare the latest deals, look at your individual goals, and guide you through the process so you can choose a remortgage that genuinely improves your financial position.
Buy-To-Let
Investing in rental property means choosing a mortgage that’s built for property investors. Buy-to-let mortgages are designed with rental income and long-term returns in mind, often allowing for higher borrowing based on expected rental earnings.
We’ll help you find the right buy-to-let mortgage to support your investment plans, maximise your returns, and make sure your rental property goals are set up for success.
Home Mover
If you’re moving home, getting the right mortgage in place is key to making the transition smooth and stress-free. Home mover mortgages are designed to give you the flexibility you need when upgrading or relocating, and We're here to help you find the option that fits your plans.
We’ll guide you through the market, compare the best deals.
Foreign Nationals & Expats
Buying property or arranging finance in a new country can feel complex, especially when lending criteria and legal requirements differ from what you’re used to. As a foreign national or expat, you may face additional checks around residency status, income, and currency — but with the right guidance, securing a mortgage is absolutely achievable.
Bad Credit Mortgages
A less-than-perfect credit history doesn’t have to stand in the way of securing a mortgage. Bad credit mortgages are designed for individuals with credit challenges, offering opportunities to buy a home or remortgage despite past issues. We’ll help you navigate the options available, find a suitable lender, and secure a mortgage that aligns with your financial situation.
Your trusted partner for mortgages and protection, here to help you stay organised, secure, and confident in every financial decision. If you’d like to make your mortgage and protection journey simple and stress-free, just get in touch—I’m here to help.
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Lucky Mortgages Limited are authorised and regulated by the Financial Conduct Authority, FCA number 1025384. Our Companies House number is 15926454. Registered Office: Regus, 1 Quick Silver Way, Cobalt Business Park, Newcastle Upon Tyne, NE27 0QQ
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