At Advantage we are the Expat Experts.
We have helped individuals from all over the globe secure mortgages back in the UK. If you’re living abroad and want to save some money on a mortgaged property back in the UK or buy a new property in the UK it’s important that you speak to a broker with the relevant experience in this field as some of the lenders are lesser known and don’t publish their rates.
The process of obtaining a mortgage whilst living abroad differs to that of a UK based mortgage application. Lenders cannot rely on traditional credit checks, this means applications are underwritten manually.
For this reason, many lenders will only accept applications from brokers with relevant experience rather than take applications directly.
Our fee for arranging a mortgage for a UK Expat is £900, there’s no VAT to pay and our ‘No Mortgage, No Fee’ promise still applies.
Advantage can only help British Nationals living abroad, we are unable to assist foreign investors.
Location, location
We have arranged Expat Mortgages for individuals in the following countries.
If your country doesn’t appear on the list, don’t despair. We may still be able to help! Just give us a call.
- All European Countries
- Kuwait
- Hong Kong
- USA
- Saudi Arabia
- Australia
- Canada
- New Zealand
- UAE
- Oman
- Singapore
- Bahrain
- Morocco
- South Korea
- Qatar
- South Africa
- Japan
Do I need to be earning a certain amount to get an expat mortgage?
Contrary to much of the information out there online. There are a few lenders that have no minimum income requirement. If you’re living abroad on a shoe-string or if all of your income is from your rental property back in the UK it’s still absolutely something we can help you with.
Case Study
Here is an example of a customer that we have recently helped
Mr Smith – April 2025
Mr Smith was living in Italy when he approached us, however, he moves around a lot. He works for a United Nations international fund which exists to protect the needy. He could be in Africa for a year and Brazil the next!
He has a property back in the UK worth around £225,000 which he used to live in many years earlier, the property had been let out for nearly 20 years and was in need of some maintenance in order to keep it fresh and up to scratch for the tenants. There was another mortgage for a property he owned in Botswana which his wife and kids lived in.
We were able to significantly improve on the interest rate he was paying on his mortgage back in the UK and also raise enough capital to allow him to completely pay off the mortgage in Botswana, as well as renovate his Buy to Let property. The lender was happy to do this providing we had something from the tenants stating that they didn’t mind remaining in the property whilst the renovation works were being undertaken.
Mr Smith ended up with a mortgage on the UK property that was costing him less per month than the original mortgage as well as completely paying of the African mortgage. He is happy that his outgoings have been considerably reduced and his tenants are very happy with their new kitchen! In this case the monthly saving for Mr Smith was £1085 compared to the situation he was in before he approached Advantage.