Expat mortgage provider
Mortgage International
UK expat and foreign-national mortgage broker
UK residential and buy-to-let mortgages for people who live outside the UK. The property is in the United Kingdom. Overseas property is not the published scope.
At a glance
- Provider type
- UK expat and foreign-national mortgage broker
- Global reach
- UK property borrowers
- Primary audience
- British expats and foreign nationals buying UK property
- Destination markets
- United Kingdom
- Borrower residence coverage
- Named overseas markets
- Property purpose
- Residential and buy-to-let
- Foreign-currency income
- Core expertise
- Complex income
- Specialist lenders
- High-value finance
- Specialist cases
- Regulatory model
- FCA-regulated adviser
- Pricing model
- Case specific
What type of mortgage provider is this?
Mortgage International is a broker for UK property when the borrower lives overseas. It does not, on the material used here, arrange mortgages for property outside the UK.
A broker may compare lenders. A direct bank offers its own products. This affects product choice and how the service should be compared.
Who it may suit
Mortgage International may be relevant to British expats and foreign nationals buying UK property.
Where can you finance property?
The published destination is property in the United Kingdom. This is not an overseas-property mortgage service.
Where can borrowers live?
Clients in the UAE, Singapore, Hong Kong, Australia, New Zealand, the US, Canada and Europe are highlighted. Whether a residence is accepted is lender-specific.
Main home, second home or investment property?
UK residential and buy-to-let are both described. A buy-to-let application is a different file from a home you will live in.
Lender criteria can differ for a primary residence, a second or holiday home, a buy-to-let, an investment, and commercial or development finance. Only the purposes named above are taken from this provider’s published material.
Foreign-currency income
Foreign-currency income is described as core expertise, with major currencies discussed in published material. A currency is still assessed by the lender.
Salary paid abroad, bonuses and a mortgage in another currency can be assessed differently from local income. This page does not set out a lender’s affordability formula. Exchange-rate movements can change the real cost of repayments after completion.
Self-employed and complex income
Self-employed and complex income are described as supported via specialist lenders.
Self-employed applicants, company directors, contractors, bonus or commission, rental income and income in more than one currency are separate questions. Ask which of them this provider will actually put to a lender.
High-value and private-bank finance
Specialist high-value cases are described as possible. No maximum is stated here.
A larger loan, a private-bank relationship or assets under management can be relevant to underwriting. Assets do not automatically secure approval.
Regulatory and broker model
Described as an FCA-regulated adviser for UK property finance. That authorisation does not turn the firm into a broker for property outside the UK.
Provider model: Mortgage broker.
What the mortgage can cost
General consumer criteria are published. Broker fee details are case specific. Request them before proceeding. This page does not repeat a rate.
A mortgage can include a broker fee, an arrangement or lender fee, valuation, legal fees, bank administration, mortgage registration, insurance where it is required, currency conversion and local property taxes. Request a written illustration or fee schedule before proceeding.
Documents lenders commonly ask for
Identity
Passport or other identification. The lender says which document it will accept.
Residence
Evidence of address and of where you currently live.
Income
Payslips, tax returns or company accounts, depending on how you are paid.
Banking
Account history and existing commitments.
Property
Reservation or purchase documents, and a valuation the lender commissions.
Source of funds
The deposit source and financial history may be requested.
Exact requirements vary by lender and jurisdiction. WiT Access does not collect these documents.
Questions to ask
These are questions for the provider. This page does not answer them for a particular application.
Do you lend directly or act as a broker?
Ask Mortgage International directly. The published material reviewed for this page does not answer this for your application.
Which property countries do you currently cover?
Ask Mortgage International directly. The published material reviewed for this page does not answer this for your application.
Which borrower-residence countries do you accept?
Ask Mortgage International directly. The published material reviewed for this page does not answer this for your application.
Do you accept income in my currency?
Ask Mortgage International directly. The published material reviewed for this page does not answer this for your application.
How is foreign-currency income assessed?
Ask Mortgage International directly. The published material reviewed for this page does not answer this for your application.
Do you work with self-employed applicants?
Ask Mortgage International directly. The published material reviewed for this page does not answer this for your application.
Can you use rental income?
Ask Mortgage International directly. The published material reviewed for this page does not answer this for your application.
Do you support buy-to-let?
Ask Mortgage International directly. The published material reviewed for this page does not answer this for your application.
Do you handle high-value mortgage cases?
Ask Mortgage International directly. The published material reviewed for this page does not answer this for your application.
How much deposit might be required?
Ask Mortgage International directly. The published material reviewed for this page does not answer this for your application.
Which lender fees apply?
Ask Mortgage International directly. The published material reviewed for this page does not answer this for your application.
Do you charge a broker fee?
Ask Mortgage International directly. The published material reviewed for this page does not answer this for your application.
When is the broker fee payable?
Ask Mortgage International directly. The published material reviewed for this page does not answer this for your application.
Is the fee refundable if the mortgage does not complete?
Ask Mortgage International directly. The published material reviewed for this page does not answer this for your application.
Which entity provides the regulated advice?
Ask Mortgage International directly. The published material reviewed for this page does not answer this for your application.
Which regulator applies?
Ask Mortgage International directly. The published material reviewed for this page does not answer this for your application.
Do you search a lender panel or only selected lenders?
Ask Mortgage International directly. The published material reviewed for this page does not answer this for your application.
Can you coordinate valuation or legal work?
Ask Mortgage International directly. The published material reviewed for this page does not answer this for your application.
What documents will lenders usually require?
Ask Mortgage International directly. The published material reviewed for this page does not answer this for your application.
How long is a mortgage offer typically valid?
Ask Mortgage International directly. The published material reviewed for this page does not answer this for your application.
What happens if exchange rates move before completion?
Ask Mortgage International directly. The published material reviewed for this page does not answer this for your application.
Sources and review
Reviewed 7 October 2026.
- Service page
https://www.mortgageinternational.co.uk/expat-mortgages
The provider’s published service description used for this page.
- Provider page
https://www.mortgageinternational.co.uk/
A further public page from the provider. It does not mean WiT Access has an agreement.
Information is based on publicly available provider information reviewed by WiT Access. Mortgage products, interest rates, lender criteria, residence eligibility, fees and regulatory requirements can change.
WiT Access provides general information and comparison resources. Mortgage availability, rates, fees, loan-to-value limits, affordability requirements and borrower eligibility vary by lender, property, residence, currency and individual circumstances. Nothing on this page constitutes mortgage, financial, tax, legal or investment advice.
WiT Access does not determine mortgage eligibility or approve mortgage applications.
Where regulated mortgage advice is required, it should be provided by an appropriately authorised adviser or lender.