UK Mortgages, Wherever You Live.
Specialist UK mortgages for British nationals abroad, foreign nationals, and people with non-sterling income. We are a UK mortgage broker working with this market every week.
Think carefully before securing your debts against your home.
Your home may be repossessed if you do not keep up repayments on your mortgage.
How it works
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Tell us your situation
A short message with where you live, what you earn, and what you want to buy. WhatsApp or the form on this page.
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We review the case
A broker reviews your situation and identifies which lenders are likely to consider you. Country of residence, currency, employer profile, deposit, target property. Usually within one working day.
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We arrange the mortgage
Once we have a lender route, we walk you through the application end to end. The regulated mortgage advice meeting takes place when you are physically present in the UK.
Why use us
We focus on a market most generalists avoid
UK lenders for expats, non-residents, and foreign-income earners are a specialist corner of the market. There are around 15 to 20 active lenders. We work with this market every week.
Direct access to no-haircut lenders for foreign income
The standard currency haircut at most lenders is 20%. A handful of specialist lenders apply no haircut at all. We work with several of them, which often makes a meaningful difference to borrowing power.
Plain language and no surprises
We explain fees upfront, set realistic expectations on timing and what is achievable, and walk you through the application step by step. No panel, no third-party handover.
Talk to a broker about your situation
Talk to a brokerA mortgage broker will usually respond immediately.
Common questions
Can a non-UK resident buy UK property with a mortgage?
Yes. Around 15 to 20 UK lenders consider non-resident applications routinely. Deposits are usually 25% to 40%.
Can a UK expat get a UK mortgage?
Yes. UK nationals living abroad are well-served by a specialist segment of the UK market. Around 15 to 20 lenders are active.
Do you charge for an enquiry?
There is no charge for sending an enquiry. We will explain any advice fee upfront before any work begins. Full fee details are set out in our Terms and Conditions and Initial Disclosure Document.
Are you regulated by the FCA?
Yes. UK Mortgages Worldwide is operated by Mortgage One, a trading style of Sandsea Capital Ltd, an appointed representative of Quilter Financial Services Limited. Quilter Financial Services Limited is authorised and regulated by the Financial Conduct Authority. FCA Register No. 440703.
How fast will I hear back?
Usually within one working day. Often the same hour during UK working hours.
Send an enquiry
Fill in a few details. A broker will be in touch.