Living Abroad
Buying At Home
Wherever you’re based, our specialists can help you
explore your UK mortgage options.
✓ Directly Authorised by the FCA
✓ Whole-of-Market Mortgage Advice
✓ Access to 500+ Lenders, Including Private Banks & Specialist Lenders
✓ Specialists in UK Residential Mortgages for Expats
✓ Solutions for Foreign Currency Income & Overseas Employment
✓ Mortgages for a Wide Range of Residential Property Types
Trustindex verifies that the original source of the review is Google.
Jennifer is highly professional, consistently responds promptly. She proactively advises me and provides practical suggestions tailored to a range of scenarios, helping me make well-informed decisions. Thank you.Posted on Google![]()
Wai Shan LeungTrustindex verifies that the original source of the review is Google.
They have secured a mortgage for me after months of struggling on my own and trying other financial companies. I am very happy with the services provided.Posted on Google![]()
Justin PainterTrustindex verifies that the original source of the review is Google.
I would give 6 stars if I could! Jack and the team are simply amazing! They dealt with our (many) queries with patience, explaning the whole process and next steps but also within a timely manner. Communication was top notch as well, specially during the crucial parts of the process, thank you! We couldn't recommend it more. Thank you Jack & the team!Posted on Google![]()
Bernardo MoutinhoTrustindex verifies that the original source of the review is Google.
Buying a property in Scotland from the U.S was a daunting prospect. However, the service and expertise from Danny and June made this a smooth and pain free process. I couldn’t be happier with the service provided.Posted on Google![]()
Kevin McPheeVerified by TrustindexTrustindex verified badge is the Universal Symbol of Trust. Only the greatest companies can get the verified badge who has a review score above 4.5, based on customer reviews over the past 12 months. Read more
Wherever you’re based, our specialists can help you
explore your UK mortgage options.
We manage the entire application remotely – via video call, email, and secure document upload.
You do not need to visit the UK at any point in the application process.
Free • 45-60 minutes
We review your residency, income type and currency, deposit, property requirement, and timeline. You receive a clear picture of your options and likely eligibility before committing to anything.
1-2 Weeks
We guide you through the full documentation requirements - overseas identity documents, bank statements, employment verification, and translations where needed. Our secure document portal makes this straightforward regardless of where you are based.
1-2 Weeks
We identify the best-matched expat lender for your country, income type, and property requirements. We prepare and submit the full application with a comprehensive supporting narrative - giving the lender everything they need to make a positive decision.
2-3 Weeks
The lender instructs an independent property valuation and their underwriting team reviews the full application. We manage all lender queries, provide supplementary information promptly, and keep you updated throughout.
Typical Timeline
As a trusted UK expat mortgage broker, Articus Finance removes the complexity. Our dedicated expat mortgage advisors have the expertise to navigate time zones, foreign income, and complex tax requirements. Because we operate as a whole market brokerage, we can source and negotiate the best mortgage rates from specialist expat mortgage lenders in the UK, saving you time and money.
Eligibility for UK expat mortgages depends primarily on your nationality, your country of
residence, and your income type. The table below shows how different applicant types are
typically assessed by specialist lenders in 2026.
UK citizens living outside the UK have access to the widest range of expat mortgage products. Most specialist expat lenders specifically cater to this profile and have well-established processes for British nationals working in major expatriate destinations: UAE, Singapore, Hong Kong, USA, Australia, and EU countries.
UK passport holders benefit from: established UK credit history (if they have had UK accounts and credit facilities), easier identity verification, and lender familiarity with the applicant type. Those who have retained a UK bank account and credit footprint will generally have more lender options.
Non-UK nationals – including EU nationals, US citizens, UAE nationals, and other international buyers – can also access specialist expat mortgage products, though the range of lenders may be more limited.
Key factors include: whether the applicant has a UK credit history, the AML risk classification of their country of residence, and the currency of their income.
EU nationals with settled or pre-settled status in the UK may access a broader range of products, including some standard residential lenders.
Articus Finance Limited is directly authorised and regulated by the Financial Conduct Authority (FCA). FCA Registration Number: 1009423.
Registered in England and Wales. Companies House Number: 12003657. Registered address: Lg08, Screenworks, 22 Highbury Grove, London N5 2EF. Telephone: 020 8088 5465. Email: [email protected]. Your home may be repossessed if you do not keep up repayments on your mortgage. The information on this page is for general guidance only and does not constitute financial advice. Individual circumstances vary – speak to one of our qualified advisers for a personalised recommendation. Some mortgage products are not regulated by the FCA. High Net Worth mortgage applications may be subject to additional eligibility requirements. The Financial Ombudsman Service is available to consider complaints at no charge: financial-ombudsman.org.uk.
Our clients share one thing in common: their financial profile is too complex for standard mortgage products.
Here are the client types we work with most frequently.
High net worth individuals resident overseas or non-domiciled in the UK buying property in London and other prime UK markets. Income in foreign currencies, SPV acquisition structures, and non-UK credit histories require lenders with specific international capability. We source lenders experienced in cross-border HNW transactions, currency haircut structures, and non-dom tax arrangements.
Buyers of super-prime London residential, country estates, and development plots where loan sizes exceed £5-10m and standard LTV or income constraints are incompatible with the transaction. We arrange mortgages on properties from Mayfair penthouses to Scottish sporting estates, working with the small number of lenders genuinely active at the top end of the UK residential market.
Clients with multiple income sources combination of employment, self-employment, investment income, and overseas earnings - that standard lenders are unable to aggregate correctly. We specialise in presenting multi-source income clearly and compellingly to the appropriate lender, ensuring every legitimate income stream is counted towards your borrowing capacity.
The following are anonymised representative examples based on the types of expat mortgage
transactions we have arranged. All figures are indicative.
| Client | British national, based in Dubai |
| Income | AED 750,000 p.a. (=£163k) – 10% haircut applied |
| Property | £320,000 2-bed, Manchester city centre |
| Deposit |
£100,000 (31%) – from UAE savings account |
| Loan | £220,000 (69% LTV) |
| Lender |
Specialist expat BTL lender |
Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo.
| Client | British national, based in Dubai |
| Income | AED 750,000 p.a. (=£163k) – 10% haircut applied |
| Property | £320,000 2-bed, Manchester city centre |
| Deposit |
£100,000 (31%) – from UAE savings account |
| Loan | £220,000 (69% LTV) |
| Lender |
Specialist expat BTL lender |
Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo.
| Client | British national, based in Dubai |
| Income | AED 750,000 p.a. (=£163k) – 10% haircut applied |
| Property | £320,000 2-bed, Manchester city centre |
| Deposit |
£100,000 (31%) – from UAE savings account |
| Loan | £220,000 (69% LTV) |
| Lender |
Specialist expat BTL lender |
Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo.
The question of whether a British expat can get a mortgage is a common one. The short answer is yes – but you may already know from experience that applying for a mortgage while living abroad is difficult, and there is a limited pool of lenders who will consider your case. In addition, expats will face more checks and complicated paperwork requirements.
Your application will also be affected by your personal circumstances. For example, an expat in France will find fewer challenges than an expat living in China. Meanwhile, if you’re paid in foreign currency, the process will likely be more complicated. But with the assistance of an expat mortgage specialist, it’s certainly possible to achieve a perfect solution for your scenario.
Mortgages for expats can be used to help you purchase a property. You may be planning to return from living abroad, and are thus searching for a new home. Perhaps you’re looking to invest in the UK’s historically stable property market. You might simply be buying a property for a family member to live in, such as a child due to attend university in the UK.
Whatever the reason, if you are taking out a residential mortgage, lenders will typically look to see that you are going to be living in the property, and not renting it out.
Fortunately, there are a range of expat mortgage providers who are able to assist with purchase mortgages for UK expats. It’s simply a case of accessing the right industry contacts. And with the help of a specialist expat mortgage broker like Articus Finance, the hassle of securing a mortgage while living abroad can be taken out of your hands.
The UK property market has a global reputation for stability. So, for many expats, it’s only natural to want to hold on to their UK property – even once they’ve moved abroad. However, it does add an additional layer of complication when it comes time to remortgage a property.
Without being physically present in the UK, it can be difficult to attend meetings or seek out the best expat mortgage deals for yourself. Articus can handle this on your behalf, using our extensive lender network and many years of experience assisting UK expats. We can also help you remortgage your residential property to a buy to let, if you’d like to rent it out while you’re abroad.
Using a specialist expat mortgage broker ensures you get impartial, no-obligation advice. We compare mortgages across the whole market to find the best rates, saving you the hassle of dealing directly with multiple expat mortgage lenders in the UK.
Yes. Buy to let mortgages for expats are very common. Whether you are building a property portfolio or renting out your former home, our expat mortgage advisors can source the best BTL mortgage UK expat deals tailored to overseas investors.
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As a trusted UK expat mortgage broker, Articus Finance removes the complexity. Our dedicated expat mortgage advisors have the expertise to navigate time zones, foreign income, and complex tax requirements. Because we operate as a whole market brokerage, we can source and negotiate the best mortgage rates from specialist expat mortgage lenders in the UK, saving you time and money.
Articus Finance is a boutique mortgage broker based in London,
we find creative solutions for High Net Worth individuals who require financing on their worldwide assets.
Articus Finance is a boutique mortgage broker based in London,
we find creative solutions for High Net Worth individuals who require financing on their worldwide assets.
Whether you’d like to make a finance enquiry or simply have
a question about our services, we’re on hand to help.
DOWNLOAD OUR CORPORATE FINANCE GUIDE
DOWNLOAD OUR PROPERTY DEVELOPMENT GUIDE
DOWNLOAD OUR HNW INSURANCE GUIDE
DOWNLOAD OUR SELF EMPLOYED GUIDE
DOWNLOAD OUR INTRODUCER GUIDE
DOWNLOAD OUR BUY TO LET GUIDE
DOWNLOAD OUR EXPAT / FOREIGN NATIONAL GUIDE
DOWNLOAD OUR SHORT TERM FINANCE GUIDE
DOWNLOAD OUR HIGH NET WORTH GUIDE
DOWNLOAD OUR PROPERTY DEVELOPMENT GUIDE
Jennifer has worked within the property industry since 2011. Since becoming a qualified mortgage broker in 2017, she has built a reputation for her ability to truly understand each client’s unique needs and circumstances. Jennifer provides clear and tailored advice to ensure the best possible results. Her professionalism and commitment are evidenced through her long-standing client relationships.
Henry has amassed over five years of experience in the finance industry, where he has honed his skills in arranging financing facilities for both businesses and individual consumers. At Articus, he leverages his expertise in corporate finance to guide clients in achieving their business objectives, combining a deep understanding of market dynamics with a steadfast commitment to client success. Henry prides himself in problem solving and no deal is too large or complex for him to tackle, he enjoys crafting innovative solutions that drive results. His dedication to his clients is evident in his proactive communication style and his ability to build lasting relationships. Henry holds a degree in Economics from Queen Mary University London and outside of work, he is a creative within the music industry and is an avid fan of Liverpool FC.
Harry has over 16 years of experience within the Finance, Housing and Development sector. He started off his career as a CIMA Qualified Chartered Accountant and transitioned over to financial services in 2019. During this time he has dealt with a range of complex financial arrangements from ex pat mortgages to large development loans. Harry has a can do attitude and believes there’s a solution to every situation and will work tirelessly to ensure your deal crosses the line. In his spare time Harry likes to play poker, travel and try new cuisines.
Carolina is a multilingual Marketing Manager originally from Portugal. She specialises in International Marketing and Business, helping organisations expand their brand awareness globally over the last 4 years. Her past work includes supporting start-ups to multinational companies in the UK and across Europe. She is a creative and passionate individual, bringing a fresh perspective to the financial industry and delivering high quality research.
In her spare time, Carolina enjoys socialising & travelling around the world, embracing different cultures and experiences.
Antonia brings fantastic planning, organisational and time management skills to her role as office manager, ensuring that operations at Articus run smoothly. An experienced administrator with fantastic problem solving skills, Antonia began her career working in medical administration, so she is highly experienced working with confidential client data.
Jack comes from a background of delivering great customer service. He has worked in the property industry since 2016 and has solid knowledge of the property market, combined with a good knowledge of the mortgage industry. Jack is CeMap qualified and enjoys looking after his clients and building strong working relationships. Away from work, Jack spends most of his time travelling with friends, playing football and watching Charlton Athletic.
Matthew has experience working as a mortgage administrator and assisting with clients of any calibre. His main strength is his ability to develop a close relationship to his brokers and clients, allowing for a smooth transition throughout your mortgage journey, his friendly nature helps in making the process a lot less intimidating than it needs to be. Outside of work Matthew spends his time playing Chess and exploring the world with his Girlfriend.
Theo started his journey in the specialist finance industry while working as a journalist at an industry trade magazine. During this time he amassed a great knowledge of mortgages, bridging, development and commercial funding and established a wealth of relationships in the industry. He transferred these skills and now specialises in assisting clients with their specialist finance requirements. Working alongside the CEO, Theo has learnt the nuances of ultra-complex transactions and knows how to most efficiently manage the funding process to completion. Theo aims to achieve the best solution for every client he deals with a particular focus on sourcing funding for developments and refurbishment.
With over 20 years of financial services experience Dino is an accomplished mortgage adviser who relishes the more complex cases, enjoys a challenge and always does everything he can to ensure his clients not only get the result they need but to achieve their property goals. A fully qualified financial adviser Dino quickly realised that property and mortgages were his passion and over the years gained his experience helping investors build their property portfolios. When not working Dino enjoys spending time with his family, loves modern and classic performance cars, popular culture, technology, mountain biking and is a supporter of West Ham United.
Whether you require access to bespoke funding, or need to fund a project of any scale, Samuel will always find a solution to meet the requirements of any client. No matter how complex your case is, through his innovative and determined nature, he can find a structure to finance a client’s plans. As a trained martial artist, Samuel’s passion and confidence carries over into the workplace, and you can expect a clear and concise transaction journey from start to finish.
Jason started in 2012 in financial services working across London’s property and financial services markets for HNW individuals. He is able to construct tailor-made solutions to suit his client’s needs, no matter how complicated. He has completed multi-million pound residential, buy to let and commercial developments across the UK. Jason is a confident and motivated individual whom takes pride in offering an exceptional and professional level of service to all of his clients. Outside of work he enjoys hiking, cycling and traveling the world with his sights set on Base Camp Everest.
Assad prides himself on being open minded and thinking outside the box. Through a personalised approach and consistent communication; Assad’s strong relationships with specialist lenders gives him the ability to reach the ideal outcome for his clients. With a particular strength in dealing with foreign nationals and ex-pats he approaches his clients with a can-do attitude. His attention to detail allows him to actively support his clients and build a long-term relationship by giving a truly tailored approach. Outside of work, Assad is a keen explorer and foodie, regularly travelling to remote destinations and testing out the local cuisines.
Shyan is a global businessman with keen commercial acumen and a deep understanding of the UK property market. Following the successful completion of an undergraduate and postgraduate degree in Mathematics from King’s College London, Shyan has held a range of highly strategic roles, with a focus on UK property investment – meaning he is well versed in the world of HNW property finance. Not only is he an experienced UK landlord, he has an impressive history in the world of property trading, and has played a pivotal role in the completion of a number of large scale development projects with values up to £30 million.
Ollie entered the world of high net worth mortgages after living in Geneva, where he provided tailored financial advice to private clients. This experience shaped his career trajectory, giving him first-hand experience in understanding and communicating the benefits of financial advice – all while developing the ability to build exceptional client relationships. Following this, Ollie moved back to London where he began specialising in mortgages. His drive, ambition and natural flair for anticipating the needs of his clients led him to progress quickly from Client Services to broker, where he honed his skillset after passing his CeMap exams. Outside of work, Ollie is an avid traveller – and an equally keen supporter of his local club, Fulham FC.
Antonio started in financial services in 2006, arranging and negotiating mortgage finance for some of the UK property market’s most complex transactions. During his career, he has worked at some of the UK’s most prestigious mortgage brokerages, as well as the fast-paced world of currency broking.
As a result, he has a wealth of relevant experience in handling complicated cases, like clients buying properties through trusts. Crucially, Antonio has developed an almost unparalleled network of close industry relationships. This enables him to navigate challenging situations with ease, and he relishes taking on cases that have struggled to progress elsewhere and seeing them through to completion.