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UK Mortgage Advisers & Brokers for Expats in India
UK mortgages for expats living in India
Based in Mumbai, Bengaluru, Delhi or elsewhere in India and considering UK property? We are specialist UK mortgage advisers and brokers helping India residents buy, remortgage and refinance in the UK.
- Income in rupees (INR) considered
- Purchases, remortgages and buy-to-let
- Handled remotely in your time zone
Why expats in India 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 India.
Rupee income accepted by selected lenders
A smaller number of UK lenders accept income paid in rupees, so knowing which lenders will consider India residents saves time and declined applications.
Plan your deposit under Indian remittance rules
India's Liberalised Remittance Scheme sets limits on how much resident individuals can send overseas each year, so plan your deposit early and take local advice.
Professionals and business owners
Many of our India-based clients are senior professionals, technology leaders and business owners. We understand salaried, bonus and business income.
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 India.
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 India
Answers to the questions we are asked most often.
Can I get a UK mortgage if I live in India?
Yes, although the choice of lenders is narrower than for some other countries. A specialist broker helps you go straight to lenders that accept India residents.
Will UK lenders accept my income in rupees?
Some specialist lenders accept INR income, usually with an allowance for exchange rate movements. Income in sterling or US dollars can widen your options.
Can I buy a UK buy-to-let from India?
Yes. Many India residents buy UK property as an investment, in their own name or through a UK limited company.
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