Expat Mortgages
Million Plus Private Finance arranges bespoke UK mortgage solutions for UK nationals and high-net-worth clients living abroad. We structure lending against UK and international properties, considering overseas income, multi-currency earnings, and complex financial profiles to secure flexible, tailored terms for properties £1 million and above.
Why Choose Million Plus For Your Expat Mortgage?
Expat mortgage applications can be challenging due to foreign income, multi-currency payments, and offshore assets. Million Plus Private Finance specialises in presenting expat financial profiles to private banks and specialist lenders. We structure earnings from salaries, business profits, investments, and overseas assets to maximise borrowing potential. Whether acquiring a primary UK residence, refinancing an international property, or investing in high-value estates, our bespoke solutions provide flexibility, discretion, and fast completion.
Explore other Large Mortgage Solutions
Our related services include:
Estimate Your Borrowing Potential
Our mortgage calculator lets you estimate interest rates, repayments and borrowing costs. Built for high-value mortgages, it provides a clear view of premium property finance.
Coming Soon
Get Expert Guidance Today
Share your details and our team will contact you promptly by phone or email. Our advisers provide expert guidance to structure expat mortgage applications optimally.
Million Plus Private Finance has extensive experience arranging mortgages for expatriates. We work with UK and international private banks and specialist lenders to consider foreign salaries, investment income, and offshore assets. This includes income earned in Europe, the Middle East, Asia, and North America.
Applications are structured to highlight bonuses, dividends, retained profits, and business earnings, maximising borrowing potential. Multi-property portfolios and cross-border ownership are taken into account to ensure comprehensive lending solutions.
Interest-only and hybrid repayment options provide flexibility and cashflow optimisation. Our team manages legal, tax, and valuation coordination to ensure smooth, efficient applications. Clients benefit from discretion, speed, and tailored advice throughout the mortgage process.
case studies
Mortgage Closings
Securing a mortgage while living abroad requires specialist knowledge and private bank relationships. Million Plus Private Finance evaluates all aspects of expat financial profiles, including foreign income, multi-currency assets, and international holdings.
We structure applications to present income from salaries, bonuses, dividends, carried interest, and business profits effectively. Multi-property portfolios and cross-border holdings are included to maximise borrowing potential. Interest-only and hybrid repayment structures provide liquidity while maintaining long-term financial strategy.
We coordinate valuations, legal submissions, and lender communications for a seamless process. Clients benefit from confidential, efficient, and tailored mortgage solutions. By monitoring market conditions and lender appetite, Million Plus Private Finance ensures expat clients access competitive lending aligned with their broader financial goals, whether acquiring a UK property, refinancing multiple homes, or investing internationally.
frequently asked questions
Mortgage Questions Answered
Can expats secure UK mortgages?
Yes, expats can access high-value UK mortgages, but the process requires specialist guidance due to cross-border income, offshore assets, and multi-currency earnings. Million Plus Private Finance structures applications to present overseas salaries, dividends, investments, and company profits effectively to lenders. By demonstrating a full financial profile, including international holdings and assets under management, we help expats secure competitive lending terms that might not be available through high-street banks, while maintaining discretion and efficiency throughout the process.
Which UK banks offer overseas mortgages?
Some UK banks and private lenders offer overseas and expat mortgage solutions, but availability depends on residency status, income source, and property value. High street banks typically have strict criteria and limited appetite for foreign income, while private banks and specialist lenders are more flexible. Million Plus Private Finance works with a panel of UK private banks and specialist lenders that understand overseas income, multi-currency earnings, and cross-border assets, enabling eligible expat clients to access tailored mortgage solutions that may not be available through mainstream lenders.
What documents do expats need for mortgage applications?
Expat clients typically need to provide proof of identity, residency, overseas tax returns, payslips, company accounts, and statements for investments or rental income. Additional documentation may include trust agreements or offshore asset statements depending on complexity. Million Plus Private Finance reviews all documents in advance, ensuring they are lender-ready. This proactive approach reduces delays and ensures that the client’s international financial profile is presented clearly, maximising the chance of approval at competitive rates.
Are interest-only or hybrid mortgages available for expats?
Yes, many expats benefit from interest-only or hybrid repayment structures. Interest-only mortgages provide lower monthly repayments while retaining capital for investments, while hybrid structures combine interest-only with partial capital repayment to offer flexibility and gradual debt reduction. Million Plus Private Finance works with private banks to implement repayment plans tailored to expat clients’ cashflow, currency considerations, and long-term financial strategy, ensuring the mortgage aligns with their broader wealth planning.
How is multi-currency income handled?
Multi-currency income is carefully assessed to ensure lenders understand your true affordability. Million Plus converts foreign earnings into an agreed valuation method and presents them alongside other assets to optimise borrowing potential. For example, income in US dollars, euros, or AED is structured to meet UK lender requirements while mitigating currency risk. This ensures expats receive fair consideration for their international earnings and access to loans comparable to UK-based clients.
What LTV and deposit requirements apply to expats?
Loan-to-value ratios for expats typically range from 60% to 75%, though some private banks may extend up to 80 to 85% for prime UK properties. Deposit requirements vary depending on property location, client profile, and lender preferences. Million Plus Private Finance advises on structuring deposits using international assets or investments, reducing upfront cash outlay while maintaining access to competitive interest rates and bespoke lending terms.
How quickly can an expat mortgage close?
With thorough preparation, expat mortgages can close in a few weeks. Million Plus coordinates directly with private banks, valuers, and legal teams to streamline approvals. Our team manages international documentation, currency considerations, and cross-border compliance, ensuring a smooth and efficient process. Fast and discreet execution is particularly important for time-sensitive property purchases, whether in London or other prime UK regions.
exclusive marketplace
Luxury Real Estate
Complete Finance Solutions
Large Mortgages
- Million Pound Mortgages
- Complex Income Mortgages
- UK Mortgages
- Private Bank Mortgages
- Expat Mortgages
Luxury Asset Finance
- Luxury Items Finance
- Super Yacht Finance
- Private Jet Finance
- UK Mortgages
- Super Car Finance
- Art Finance
Crypto & Securities
- Crypto Backed Loan
- Crypto Mortgages
- Lombard Loans
- UK Mortgages
- Unlisted Stock Loans
- Single Stock Loans
Bridging & Development
- Property Development
- Auction Finance
- Land Bridging Finance
- Residential Bridging Loans
- Business Bridging Loans
- Development Exit Loans
- Commercial Bridging Loans
Commercial Finance
- Real Estate Finance
- Hotel Finance
- Property Development
- UK Mortgages
- Private Lending
- Property Portfolio Finance
Insurance
- Protect Your Life
- Protect Your Assets
- Protect Your Business
Finance Without Limits
From prime London residences to international estates, Million Plus secures bespoke expat mortgage solutions. We provide private bank access, flexible terms, and tailored structuring for high-net-worth clients living abroad.
