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
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.
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.
If you’re a foreign national looking to invest in the UK rental market, you may not be sure what restrictions you will face. The good news is that non residents can and regularly do invest in UK rental property. While it is certainly more complicated than it is for British nationals, there are no insurmountable barriers.
Of course, it’s certainly easier for some nationalities to invest in the UK buy to let market than others. For example, American nationals may find it much simpler to purchase and finance property in the UK, because of common regulations, cultural similarities, and even practical issues like similar time zones. Banks are also more adept at dealing with such applicants.
Yet with the right help, there are no limits to who can invest in the UK rental market – even if you are a non resident. Articus brokers have secured buy to let mortgages for clients from around the world, including America, the Middle East, Africa, and Asia. Our blog goes into further detail on how we can secure buy-to-let mortgages for foreign nationals.
There are many complexities to navigate when it comes to arranging a buy to let mortgage in the UK as a foreign national. As with anybody applying for buy to let finance, you’ll need to undergo application processes such as money laundering checks to prove your source of wealth. We can explain and guide you through the process, ensuring that everything runs smoothly.
It’s also true that the best mortgage deals for foreign nationals can usually be achieved by those who are able to negotiate with the right lenders. Foreign nationals seeking large mortgages may have complex financial backgrounds, so mainstream lenders are unlikely to be a good fit.
That’s why we’ve developed relationships with global lenders, private banks, and those with an appetite for niche lending. We also have a strong network of industry contracts who work in areas like law and tax – so we can refer you to the right people at the right time, ensuring your application is in the safest hands.
Finally, here is another example of how we secured a buy-to-let mortgage for a foreign national.
There are many complexities to navigate when it comes to arranging a buy to let mortgage in the UK as a foreign national. As with anybody applying for buy to let finance, you’ll need to undergo application processes such as money laundering checks to prove your source of wealth. We can explain and guide you through the process, ensuring that everything runs smoothly.
It’s also true that the best mortgage deals for foreign nationals can usually be achieved by those who are able to negotiate with the right lenders. Foreign nationals seeking large mortgages may have complex financial backgrounds, so mainstream lenders are unlikely to be a good fit.
That’s why we’ve developed relationships with global lenders, private banks, and those with an appetite for niche lending. We also have a strong network of industry contracts who work in areas like law and tax – so we can refer you to the right people at the right time, ensuring your application is in the safest hands.
Finally, here is another example of how we secured a buy-to-let mortgage for a foreign national.
There are many complexities to navigate when it comes to arranging a buy to let mortgage in the UK as a foreign national. As with anybody applying for buy to let finance, you’ll need to undergo application processes such as money laundering checks to prove your source of wealth. We can explain and guide you through the process, ensuring that everything runs smoothly.
It’s also true that the best mortgage deals for foreign nationals can usually be achieved by those who are able to negotiate with the right lenders. Foreign nationals seeking large mortgages may have complex financial backgrounds, so mainstream lenders are unlikely to be a good fit.
That’s why we’ve developed relationships with global lenders, private banks, and those with an appetite for niche lending. We also have a strong network of industry contracts who work in areas like law and tax – so we can refer you to the right people at the right time, ensuring your application is in the safest hands.
Finally, here is another example of how we secured a buy-to-let mortgage for a foreign national.
There are many complexities to navigate when it comes to arranging a buy to let mortgage in the UK as a foreign national. As with anybody applying for buy to let finance, you’ll need to undergo application processes such as money laundering checks to prove your source of wealth. We can explain and guide you through the process, ensuring that everything runs smoothly.
It’s also true that the best mortgage deals for foreign nationals can usually be achieved by those who are able to negotiate with the right lenders. Foreign nationals seeking large mortgages may have complex financial backgrounds, so mainstream lenders are unlikely to be a good fit.
That’s why we’ve developed relationships with global lenders, private banks, and those with an appetite for niche lending. We also have a strong network of industry contracts who work in areas like law and tax – so we can refer you to the right people at the right time, ensuring your application is in the safest hands.
Finally, here is another example of how we secured a buy-to-let mortgage for a foreign national.
There are many complexities to navigate when it comes to arranging a buy to let mortgage in the UK as a foreign national. As with anybody applying for buy to let finance, you’ll need to undergo application processes such as money laundering checks to prove your source of wealth. We can explain and guide you through the process, ensuring that everything runs smoothly.
It’s also true that the best mortgage deals for foreign nationals can usually be achieved by those who are able to negotiate with the right lenders. Foreign nationals seeking large mortgages may have complex financial backgrounds, so mainstream lenders are unlikely to be a good fit.
That’s why we’ve developed relationships with global lenders, private banks, and those with an appetite for niche lending. We also have a strong network of industry contracts who work in areas like law and tax – so we can refer you to the right people at the right time, ensuring your application is in the safest hands.
Finally, here is another example of how we secured a buy-to-let mortgage for a foreign national.
There are many complexities to navigate when it comes to arranging a buy to let mortgage in the UK as a foreign national. As with anybody applying for buy to let finance, you’ll need to undergo application processes such as money laundering checks to prove your source of wealth. We can explain and guide you through the process, ensuring that everything runs smoothly.
It’s also true that the best mortgage deals for foreign nationals can usually be achieved by those who are able to negotiate with the right lenders. Foreign nationals seeking large mortgages may have complex financial backgrounds, so mainstream lenders are unlikely to be a good fit.
That’s why we’ve developed relationships with global lenders, private banks, and those with an appetite for niche lending. We also have a strong network of industry contracts who work in areas like law and tax – so we can refer you to the right people at the right time, ensuring your application is in the safest hands.
Finally, here is another example of how we secured a buy-to-let mortgage for a foreign national.
There are many complexities to navigate when it comes to arranging a buy to let mortgage in the UK as a foreign national. As with anybody applying for buy to let finance, you’ll need to undergo application processes such as money laundering checks to prove your source of wealth. We can explain and guide you through the process, ensuring that everything runs smoothly.
It’s also true that the best mortgage deals for foreign nationals can usually be achieved by those who are able to negotiate with the right lenders. Foreign nationals seeking large mortgages may have complex financial backgrounds, so mainstream lenders are unlikely to be a good fit.
That’s why we’ve developed relationships with global lenders, private banks, and those with an appetite for niche lending. We also have a strong network of industry contracts who work in areas like law and tax – so we can refer you to the right people at the right time, ensuring your application is in the safest hands.
Finally, here is another example of how we secured a buy-to-let mortgage for a foreign national.
There are many complexities to navigate when it comes to arranging a buy to let mortgage in the UK as a foreign national. As with anybody applying for buy to let finance, you’ll need to undergo application processes such as money laundering checks to prove your source of wealth. We can explain and guide you through the process, ensuring that everything runs smoothly.
It’s also true that the best mortgage deals for foreign nationals can usually be achieved by those who are able to negotiate with the right lenders. Foreign nationals seeking large mortgages may have complex financial backgrounds, so mainstream lenders are unlikely to be a good fit.
That’s why we’ve developed relationships with global lenders, private banks, and those with an appetite for niche lending. We also have a strong network of industry contracts who work in areas like law and tax – so we can refer you to the right people at the right time, ensuring your application is in the safest hands.
Finally, here is another example of how we secured a buy-to-let mortgage for a foreign national.
At Articus Finance, we regularly source buy to let mortgages for non-UK residents or citizens, as well as residential finance. The UK property market is renowned the world over for its security – and while fluctuations influenced by political and economic events might strike British nationals as drastic, on the world stage, the fact remains that the UK is a very stable economy, with a safe political landscape. Here is one example of how we secured a buy-to-let mortgage for a foreign national.
As such, many foreign nationals from around the world are keen to buy property in the UK. But if you’re a non resident looking to invest in the UK rental market, it can be difficult to know where to start – especially when it comes to property finance.
Buy to let mortgages for foreign nationals is a confusing area, as many mainstream lenders aren’t willing to work with foreign nationals who are non UK residents, while others will have strict and confusing regulations.
If you’re a foreign national looking to invest in the UK rental market, you may not be sure what restrictions you will face. The good news is that non residents can and regularly do invest in UK rental property. While it is certainly more complicated than it is for British nationals, there are no insurmountable barriers.
Of course, it’s certainly easier for some nationalities to invest in the UK buy to let market than others. For example, American nationals may find it much simpler to purchase and finance property in the UK, because of common regulations, cultural similarities, and even practical issues like similar time zones. Banks are also more adept at dealing with such applicants.
Yet with the right help, there are no limits to who can invest in the UK rental market – even if you are a non resident. Articus brokers have secured buy to let mortgages for clients from around the world, including America, the Middle East, Africa, and Asia. Our blog goes into further detail on how we can secure buy-to-let mortgages for foreign nationals.
There are many complexities to navigate when it comes to arranging a buy to let mortgage in the UK as a foreign national. As with anybody applying for buy to let finance, you’ll need to undergo application processes such as money laundering checks to prove your source of wealth. We can explain and guide you through the process, ensuring that everything runs smoothly.
It’s also true that the best mortgage deals for foreign nationals can usually be achieved by those who are able to negotiate with the right lenders. Foreign nationals seeking large mortgages may have complex financial backgrounds, so mainstream lenders are unlikely to be a good fit.
That’s why we’ve developed relationships with global lenders, private banks, and those with an appetite for niche lending. We also have a strong network of industry contracts who work in areas like law and tax – so we can refer you to the right people at the right time, ensuring your application is in the safest hands.
Finally, here is another example of how we secured a buy-to-let mortgage for a foreign national.
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.
