Expat residential mortgages for UK property you live in or plan to
A UK expat residential mortgage is an FCA-regulated home loan for a British national living abroad who occupies (or will occupy on repatriation) a UK property. Deposit typically 25 to 35 percent. Whole-of-market expat panel. Advice provided by Ashley Morley, Director and Senior Mortgage Specialist, CeMAP qualified. FCA reference 966902.
Typical scenario
Singapore-based British executive buying a £750,000 family home in Surrey for return in 24 months. Deposit £225,000 (30 percent), loan £525,000. Five-year fixed at 5.19 percent APR (indicative, LTV 70 percent, expat residential panel). Interest-only pending return, then converts to capital and interest on repatriation. Arrangement fee £1,299. Valuation £750. Legals £1,850.
Rate bands, indicative
| LTV | From (5-year fix) | From (2-year fix) | Arrangement fee |
|---|---|---|---|
| 65% | 4.99% APR | 5.29% APR | £999 to £1,299 |
| 70% | 5.19% APR | 5.49% APR | £1,299 |
| 75% | 5.49% APR | 5.79% APR | £1,299 to £1,999 |
This is regulated advice. We recommend the product route (fixed vs tracker, term, interest treatment) that fits your repatriation timeline and income currency. Rates cited are indicative, subject to underwriting.
Who qualifies
- British national or dual national resident abroad for at least 12 months.
- UK ties: existing UK property, UK bank account, UK employer relationship, or documented repatriation plan.
- Income in an accepted currency (GBP, USD, EUR, AED, SGD, HKD, AUD, CHF among others).
- Clean or near-clean credit; adverse considered by a subset of panel with rate premium.