Expat Mortgages Made Simple
Whether you’re living abroad, returning to the UK, or earning overseas, securing a mortgage can feel complex. At Mortgage-Tek, we specialise in helping expats access UK mortgages with confidence. Our team provides tailored solutions, clear guidance, and access to specialist lenders who understand expat circumstances. From first-time buyers to portfolio investors, we make the process straightforward and stress-free.
We work with more than 120 mortgage lenders, including
Services We Provide
Comprehensive Mortgage Solutions for Expats
Mortgage-Tek offers a range of specialist mortgage services designed specifically for expats.
Whether you are buying your first UK home, remortgaging, or expanding a buy-to-let portfolio, we provide tailored solutions that fit your circumstances and investment goals.
Our Services Include:
First-Time Buyer Mortgages
Helping expats purchase their first property in the UK with guidance on deposits, affordability, and lender options.
Remortgages
Assisting clients in switching lenders or accessing better rates, even with overseas income or limited UK credit history.
Buy-to-Let Mortgages
Specialist solutions for expats looking to invest in UK rental properties, including portfolio expansion.
Portfolio Management
Supporting experienced expat investors in managing and growing multiple properties efficiently.
Who Can Apply?
Is an Expat Mortgage Right for You?
 Expat mortgages are designed for clients living or earning abroad who want to purchase property in the UK.
Mortgage-Tek specialises in helping a wide range of expats secure mortgages that meet their needs, no matter how complex their situation.
UK Citizens Living Abroad:
Returning home or investing in UK property while residing overseas.
Foreign Nationals:
Looking to purchase property in the UK with overseas income.
Returning Expats:
Previously lived in the UK and seeking a mortgage after working abroad.
Overseas Income Earners:
Including contractors, freelancers, and company directors earning abroad.
Portfolio Investors:
Expats looking to expand or manage buy-to-let investments in the UK.
Your Estimated Borrowing Amount
Why Expats Choose Mortgage-Tek
Expert Guidance for Expat Property Buyers
 Navigating the UK mortgage market from abroad can be challenging, but Mortgage-Tek makes it simple. We understand the complexities of expat lending, including overseas income verification, currency considerations, and limited UK credit history. Our team works with specialist lenders who offer solutions tailored specifically for expats, ensuring your application is handled efficiently.
Key Advantages:
Specialist Expertise
We understand limited company structures and know which lenders offer the best solutions for your portfolio.
Direct Lender Access
Many of the lenders we work with are not available to the general public.
Tailored Guidance
Every application is structured around your unique investment objectives and corporate setup.
Transparent Process
We provide clear, jargon-free advice at every step, ensuring you make informed decisions.
Ongoing Support
From initial application to refinancing or portfolio expansion, we remain your trusted partner.
Competitive Rates
Exclusive mortgage deals designed to maximise your borrowing power and save you money.
Contact Us
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Get in Touch For Our Expert Mortgage Advice
Looking for the right mortgage solution? Whether you’re securing a better rate, switching deals, or exploring let-to-buy options, our experts are here to help. Get in touch today for tailored mortgage advice and find the best deal for your needs—hassle-free and straightforward!
| Call Us | 020 3827 8558 |
| Email Us | info@mortgage-tek.co.uk |
| Address | 31, Metro Centre, Dwight Rd, Northwood, Watford WD18 9SB |
| Opening Hours | Mon–Fri (8:30am–7pm) Sat (9am–5pm) |
Frequently Asked Question
Do I need UK credit history to get a mortgage?
Not always. Specialist lenders can assess overseas income and financial history to approve expat mortgage applications.
Can I buy a property in the UK while living abroad?
Yes. Expats can purchase UK properties remotely, with guidance on documentation, deposits, and lender requirements.
What deposit is required for an expat mortgage?
Deposits typically start from 15–25%, depending on the lender, property type, and your residency status.
Are mortgage rates higher for expats?
Rates can be slightly higher, but specialist lenders often provide competitive deals tailored to expat circumstances.
Can I remortgage or transfer an existing mortgage from abroad?
Yes. We assist expats in refinancing, switching lenders, or transferring mortgages to suit their changing needs.