Expat Mortgages for UK Property Buyers


Tailored Finance Solutions, Matched from Hundreds of Lenders



Securing a mortgage as an expat can be complex, but we make the process straightforward and stress-free. At Willow Private Finance, we help UK nationals living abroad access competitive mortgage options — giving you clarity, confidence, and the right structure to achieve your property goals back home.


As an FCA regulated property finance specialist, we’re not just here to arrange mortgages — we help UK expats overcome the challenges of buying or refinancing property back home.



Our direct relationships with mainstream, specialist, and private banks mean wider acceptance of foreign income, clearer terms, and a smoother process than trying to secure an expat mortgage alone.

Speed. Certainty. Solutions.


"At Willow Private Finance, we’ve been helping UK expats and overseas buyers secure the right mortgages since 2008. Whether you’re purchasing from abroad, refinancing before a return to the UK, or expanding a buy-to-let portfolio, we handle the complexities—foreign-currency income, limited UK credit history, visa/residency status, and lender policy—so you don’t have to. Our approach is personal, proactive, and results-driven: clear timelines, fast decisions in principle, and structures that support your tax position and long-term plans. We make UK property finance simple across time zones and deliver certainty when it matters."


— Wesley Ranger, Founder

Expat Mortgages - A Quick Overview

Expats Buying in the UK: A Step-by-Step Guide



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Can You Get a UK Mortgage While Living Abroad?



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Expat Mortgage Pitfalls: Common Mistakes and How to Avoid Them

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Remortgaging as a UK Expat: What’s Changed



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International Buyers Looking To Buy UK Real Estate

Foreign National Mortgages in the UK: What’s Possible


 


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How International Investors Can Finance UK Property



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How International Buyers Are Leveraging Private Banking to Finance UK Property 

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How Currency Fluctuations Are Creating Opportunities for Overseas Buyers

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International Real Estate Investment, Development & Relocation

 Cross-Border Portfolio Mortgages: How to Finance UK and Overseas Property Together



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 How to Finance Property Development Abroad While Based in the UK



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Property Finance for International Relocation: Combining Lifestyle and Investment Goals

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Property Finance for Returning UK Expats: What You Need to Know Before Buying



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Our Services



Specialist Expat Mortgages, Backed by Market-Wide Access


Securing a UK mortgage while living overseas can be complex, with challenges around foreign income, residency, and credit history. Our expat mortgage specialists work directly with mainstream, private, and international lenders who understand these circumstances — helping you access the most suitable solution with clear, independent advice tailored to your situation.


Our expertise spans the full spectrum of expat property finance, ensuring you have the clarity, flexibility, and lender access needed to invest in UK property with confidence.