Home / Expats in the USA
UK Mortgage Advisers & Brokers for Expats in the USA
UK mortgages for expats living in the USA
Living in the United States and looking to buy, remortgage or refinance property in the UK? We are specialist UK mortgage advisers and brokers helping US residents, British expats and US citizens access UK lending.
- Income in US dollars (USD) considered
- Purchases, remortgages and buy-to-let
- Handled remotely in your time zone
Why expats in the USA 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 the USA.
US dollar income accepted
Many UK lenders accept income in US dollars for purchases, remortgages and buy-to-let.
US citizens and US tax residents
Some UK lenders are cautious about applicants who are US citizens or US tax residents because of US reporting rules (FATCA). We know which lenders will consider you.
Limited UK credit history
After years in the US, your UK credit file may be thin. Some lenders focus on your overseas credit and financial position instead.
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 the USA.
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 the USA
Answers to the questions we are asked most often.
Can I get a UK mortgage if I live in the USA?
Yes. A number of UK lenders accept US residents, including British expats and US nationals. Criteria vary, so matching you to the right lender first matters.
I am a US citizen. Will UK lenders deal with me?
Some will and some will not, largely because of US tax reporting requirements. A specialist broker can take you straight to lenders that accept US citizens.
Can I remortgage my UK property from the USA?
Yes. You can remortgage to a new rate, release equity or switch to buy-to-let while living in the US.
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