No UK Credit History? You're Not Alone

It’s a common challenge: British expats living abroad, or foreign nationals looking to invest in UK property, find themselves without an active UK credit profile.

And when they approach UK lenders, many hit a wall.

In this blog, we’ll explain how having no UK credit history affects your mortgage application, which lenders are still willing to help, and how Willow helps clients around the world secure UK mortgages—even without a UK footprint.

Why Credit History Matters in UK Lending

UK lenders use credit scores and histories to:

• Verify past financial behaviour (repayments, defaults, missed payments)
• Assess ongoing commitments (credit cards, loans, etc.)
• Confirm UK residency status

For someone living abroad, even for a few years, UK credit files may become “thin” or inactive—posing a challenge when applying through traditional routes.

If you're navigating this as an expat, you might also be interested in our detailed step-by-step guide for UK expat buyers.

Can You Still Get a Mortgage Without a UK Credit Score?

Yes, but you need the right strategy. Lenders will consider other factors, including:

• Employment and Income: Stable income from a reputable employer (even if based abroad)
• Deposit Size: A larger deposit (25% or more) helps mitigate perceived risk
• Asset Backing: Property, investments, or savings held internationally
• Foreign Credit Reports: In some cases, lenders may accept a local credit report (e.g. from UAE, US, or EU banks)

Some lenders also offer manual underwriting, allowing for a full review of your situation rather than relying solely on automated scoring.

🔗 Learn more in How MortgageUnderwritingHas Changed in 2025.

Who Is Affected?

This issue typically affects:

• British Expats who’ve lived abroad for 2+ years
• Foreign Nationals with no previous UK financial activity
• Digital Nomads and remote workers who retain global mobility
• High Net Worth Individuals who use offshore or trust-based structures

If you’re planning to return to the UK in the next few years, read our guide on Property Finance for Returning UK Expats.

Lender Attitudes in 2025

While many high street banks still prefer applicants with active UK credit files, several specialist and private lenders are more flexible—especially where the case is well-packaged by an experienced broker.

Expect lenders to:

• Request full international ID verification
• Require higher deposits (especially for buy-to-let)
• Review foreign bank statements or employer contracts
• Accept asset-based lending in some high-value cases

For complex income scenarios, including commission or bonuses, see our insights on Mortgages With Bonus or Variable Income.

How Willow Private Finance Can Help

At Willow, we specialise in helping clients with non-standard credit backgrounds, including:

✅ British expats with no active UK credit footprint
✅ Foreign nationals investing in UK property
✅ Individuals paid in non-GBP currencies
✅ Wealthy clients using offshore entities or family offices

We don’t rely on algorithms—we present your case to lenders strategically, working across high street banks, private lenders, and international providers. Even if you’ve been turned away elsewhere, we may be able to help.

🔗 For a broader understanding of the market, read The Ultimate Guide to Property Finance in the UK (2025 Edition).

Important Notice

Your home may be repossessed if you do not keep up repayments on your mortgage. The Financial Conduct Authority does not regulate some forms of buy-to-let or offshore mortgage activity. This article is for information purposes only and does not constitute financial advice. Always speak to a qualified adviser before making property finance decisions.

Frequently Asked Questions

Can you get a UK mortgage with no UK credit history?
Yes — but it’s more difficult. Some specialist lenders and private banks may consider your application based on other strengths. Willow describes this situation and explains how non-standard underwriting can help. Willow Private Finance

What factors help compensate for a lack of UK credit history?
Lenders will look more closely at:

• Stable employment and income (even if based abroad) Willow Private Finance
• A larger deposit to reduce lender risk Willow Private Finance
• Asset backing (property, investments, savings abroad) Willow Private Finance
• Foreign credit reports (if lenders accept them) Willow Private Finance
• Manual underwriting rather than relying entirely on automated credit scoring Willow Private Finance

Which lenders are more likely to accept borrowers without UK credit files?
Specialist mortgage lenders, private banks, or divisions of lenders that handle foreign national or expat cases are more flexible. Willow Private Finance



How should you present your case to increase chances of approval?

• Gather detailed documentation of your foreign income, employment contracts, tax returns, bank statements. Willow Private Finance
• Demonstrate strength in assets and liquidity to support your financial profile. Willow Private Finance
• Work with a broker who knows lenders willing to accept no or minimal UK credit history, and who can present your application in the best light. Willow Private Finance

📞 Want Help Navigating Today’s Market?

Book a free strategy call with one of our mortgage specialists.

We’ll help you find the smartest way forward—whatever rates do next.