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UK Mortgage Advisers & Brokers for Expats in Malaysia
UK mortgages for expats living in Malaysia
Based in Kuala Lumpur or elsewhere in Malaysia and considering UK property? We are specialist UK mortgage advisers and brokers helping Malaysia residents buy, remortgage and refinance in the UK.
- Income in ringgit (MYR) considered
- Purchases, remortgages and buy-to-let
- Handled remotely in your time zone
Why expats in Malaysia 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 Malaysia.
Ringgit income accepted by selected lenders
A smaller number of UK lenders accept income paid in ringgit, so knowing which ones will consider you is the key first step.
Energy, finance and professional roles
Many expats in Malaysia work in energy, finance, engineering and professional services. We understand the contracts and pay structures typical of these sectors.
Purchases, remortgages and buy-to-let
From buying a UK home or investment to refinancing a property you already own, we arrange it all remotely.
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 Malaysia.
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 Malaysia
Answers to the questions we are asked most often.
Can I get a UK mortgage if I live in Malaysia?
Yes, although fewer lenders accept Malaysia residents than some other countries. A specialist broker helps you avoid lenders that will decline your country of residence or currency.
Will UK lenders accept income in ringgit?
Some specialist lenders do, often with an adjustment for exchange rate movements. Income paid in US dollars or sterling can widen the choice of lenders.
Can I remortgage my UK property from Malaysia?
Yes. You can remortgage to a better rate or release equity while living in Malaysia.
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