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UK Mortgage Advisers & Brokers for Expats in Bahrain
UK mortgages for expats living in Bahrain
Based in Bahrain and looking to buy, remortgage or refinance UK property? We are specialist UK mortgage advisers and brokers with an adviser based in Bahrain, so we understand life and work in the Kingdom first hand.
- Income in dinars (BHD) considered
- Purchases, remortgages and buy-to-let
- Handled remotely in your time zone
Why expats in Bahrain use a specialist broker
Many UK high street lenders decline applicants living overseas or offer them only limited products. We search the wider market, including specialist and private banks, to find lenders that accept residents of Bahrain.
Adviser based in Bahrain
We have an adviser living in Bahrain, which makes it easy to meet, talk through your plans and keep things moving in your time zone.
Dinar income accepted
The Bahraini dinar is pegged to the US dollar, and a number of UK lenders accept BHD income, sometimes with a small currency adjustment.
Financial services and beyond
Bahrain is a regional banking and financial services hub. We understand bonus-linked pay, allowances and contract roles common to the sector and beyond.
What we can help with
Buying a UK home or investment property, remortgaging to a better rate, releasing equity, switching a former home to buy-to-let, or buying through a UK limited company. All arranged remotely while you live in Bahrain.
How it works
A straightforward process from first conversation to completion.
Initial consultation
A free call to understand your plans, residency, income and the property.
Market research
We identify suitable lenders and explain the options, costs and trade-offs.
Decision in Principle
We obtain a Decision in Principle (DIP) from the lender, usually within 24 to 48 hours, so you know where you stand.
Application
We prepare and submit your application and manage the lender on your behalf.
Offer to completion
We liaise with solicitors and valuers until your mortgage completes.
UK mortgage questions from expats in Bahrain
Answers to the questions we are asked most often.
Can I get a UK mortgage if I live in Bahrain?
Yes. A number of UK lenders accept Bahrain residents, both British expats and foreign nationals. Criteria vary, so we match you to the right lender before any application.
Will UK lenders accept my salary in Bahraini dinars?
Many specialist lenders accept BHD income. Some apply a small reduction for exchange rate movements, and some treat allowances differently from basic salary.
Can we meet in person in Bahrain?
Yes. With an adviser based in Bahrain, we can meet in person as well as by phone, video call or WhatsApp.
How much deposit will I need?
For expats and foreign nationals, lenders usually require a deposit of between 25% and 30% of the purchase price, depending on the lender, your residency, income and the type of property.
Speak to a UK expat mortgage adviser
Tell us a little about what you are looking to do and we will be in touch to arrange a free, no-obligation consultation.
Email: john.florey@opesfp.com