For British expats, overseas investors, returning residents and international families buying or refinancing UK property.
Willow coordinates residency, currency, income, credit, property and ownership into one lender strategy, then manages the application through valuation, compliance, offer and completion.
Or call 0207 082 5175
Choose an objective to see the questions worth resolving and three relevant Willow guides selected from the international-finance library.
A UK home purchase from overseas requires lender appetite for the jurisdiction, currency, income evidence, intended occupation and deposit source.
A strong salary or large deposit does not remove jurisdiction, currency, compliance or property-policy questions. Open each factor to see why two lenders can reach different decisions.
Lender appetite varies by country, regulatory permissions, sanctions exposure and tax residence.
Lenders may accept the same currency but treat salary, bonus, contracts, business profits and allowances differently.
A thin UK credit file is not always fatal, but the replacement evidence must fit the lender's process.
Residential occupation, second-home use, family occupation and buy-to-let each lead to different lender and regulatory routes.
This tool illustrates a repayment mortgage and a selected reduction to converted overseas income. It is not an affordability decision, quotation, tax calculation or recommendation.
The haircut is illustrative only. Lenders use their own currency, affordability, tax, expenditure and stress-testing methods. As a mortgage is secured against your home or property, it could be repossessed if repayments are not maintained.
Request a cross-border assessmentFilter published international-finance cases by the issue that matters. Each example explains what shaped the lender route. Past outcomes do not guarantee future results.
Showing all 12 international scenarios
Global income, family occupation and the wider asset position shaped the lending structure.
Read the client outcomeOverseas earnings and a thin UK credit history required a lender comfortable with the full profile.
Read the client outcomeRental coverage, overseas residence and the absence of UK earnings determined the route.
Read the client outcomeOffshore company income and the property location required specialist underwriting.
Read the client outcomeThe timing of the move, employment and US financial footprint were assessed together.
Read the client outcomeUS income, UK property choice and cross-border documentation informed lender selection.
Read the client outcomeThe gifted funds, source-of-wealth evidence and borrower affordability needed coordinating.
Read the client outcomeUK rent, French residence and the purpose of released capital all affected the remortgage.
Read the client outcomeIntended use, dollar income and high-value underwriting were considered as one case.
Read the client outcomeExisting leverage, rental cover and the next acquisition were modelled together.
Read the client outcomeJurisdiction, property type and completion timing narrowed the suitable lenders.
Read the client outcomeNon-standard overseas income was evidenced for a lender able to assess its durability.
Read the client outcomeYour adviser shapes the lender strategy while the support team coordinates evidence, valuation, compliance, underwriting and progress.
Clarify residence, income, currency, property, ownership, liabilities, deposit and timing. This initial assessment is free, with no obligation.
Compare lender appetite, affordability treatment, pricing, evidence and conditions, then explain the appropriate solutions and every cost before you decide whether to proceed.
Coordinate international documents, source of funds, valuation and underwriting responses.
Manage conditions, liaise with the legal team and remain involved through completion.
There is no charge for the initial conversation, assessment or presentation of appropriate solutions. Our fee only becomes payable if you choose to proceed, after all costs have been made clear.
Willow considers the complete cross-border profile rather than presenting a list of expat rates.
This includes residence, currency policy, evidence quality, property use, ownership, liquidity and how the UK borrowing fits wider plans.
Start an expat assessmentThese Willow briefings focus on lender appetite, currency, verification and cross-border demand rather than generic property-market commentary.
Income conversion, deposit timing and lender haircuts can all affect the available route.
Read the briefing Digital verificationNew processes may reduce friction, but source-of-funds and identity checks remain central.
Read the briefing Cross-border wealthResidence, entities, assets and banking relationships increasingly need coordinated assessment.
Read the briefingThe answers are general guidance. Lender treatment varies by residence, nationality, currency, income, property use and ownership.
Ask about your positionNo. Speaking with a Willow adviser, assessing your cross-border position and presenting appropriate mortgage solutions are free and carry no obligation. We only charge if you decide to proceed, and we explain all costs before you engage us.
Yes. Lender choice depends on country of residence, income currency, intended property use, deposit, UK credit footprint and the way income is evidenced.
Potentially. Lenders accept different currencies and may apply conversion haircuts or require additional evidence. Currency policy can materially change borrowing capacity.
There is no universal percentage. Residence, property use, loan size, currency, credit profile and lender appetite all affect maximum loan-to-value and pricing.
Potentially. Some lenders can work with international credit reports, overseas bank history and a wider asset profile, although a thin or dormant UK file reduces the available routes.
Yes, subject to rental stress testing, jurisdiction, experience, portfolio exposure, income and ownership structure. Some business buy-to-let mortgages are not FCA regulated.
It depends on the lender, confirmed employment, residency timing and the property transaction. Applying before, during or after a move can produce different affordability outcomes.
Private banks can be useful for larger loans, complex international income, global assets or relationship-led lending, but they are not automatically the best or cheapest route.
Applicants commonly need identity and address evidence, income documents, tax returns, bank statements, deposit evidence, existing mortgage details and a clear asset-and-liability summary. Requirements vary by lender and jurisdiction.
Tell us your country of residence, nationality, income currencies, property objective, approximate value, deposit or equity and timing. You do not need every document ready.
No fee. No obligation.
Speaking with an adviser, assessing your international position and presenting appropriate solutions costs you nothing. You only pay us if you decide to proceed, after every cost has been explained.
Keep sensitive information secure.
Do not send bank statements, identification documents or other sensitive information by ordinary email or WhatsApp. Willow will explain how to share documents securely when required.
As a mortgage is secured against your home or property, it could be repossessed if repayments are not maintained.
Willow Private Finance Ltd is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference 588422.
The Financial Conduct Authority does not regulate some forms of buy-to-let mortgage. Information on this page is general and does not constitute personalised mortgage, investment, legal or tax advice. Lending is subject to status, valuation, lender criteria, jurisdiction and full underwriting.
