Foreign National & Expat Mortgages

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At ZigZag Financial, we specialise in securing tailored UK mortgage solutions for foreign nationals and British expats. Whether you live abroad or are investing in the UK property market for the first time, we offer expert guidance, global access to lenders, and bespoke advice every step of the way.

From buy-to-let investments to residential purchases, our team makes the complex simple—no matter where in the world you’re based.

What Is a Foreign National or Expat Mortgage?

A foreign national mortgage is designed for non-UK residents who are not British citizens but wish to purchase or refinance property in the UK.

An expat mortgage is for UK citizens who live or work abroad and want to retain or buy property in the UK—either to let out, as a base for their return, or for family use.

Both types of mortgages involve specialist underwriting, additional documentation, and careful lender matching. That’s where ZigZag Financial comes in.

Who We Help

We work with a wide range of international clients, including:

• 🌍  Non-UK citizens buying UK residential or buy-to-let properties
• 🏢  International investors using offshore companies or trusts
• 🇬🇧   UK expats working in the EU, Middle East, Asia, or the Americas
• 📈  Landlords expanding UK portfolios while living overseas
• 🏠  British citizens buying UK property for family or retirement

No matter your passport, currency, or residency status—we’ll help find the right mortgage solution for you.

Key Features of Expat & Foreign National Mortgages

• Loan Sizes: From £100,000 to £5 million+
• LTV (Loan-to-Value): Up to 75% (sometimes higher with additional security)
• Terms: Typically 5 to 30 years
• Repayment Types: Interest-only or capital repayment
• Income Criteria: Foreign currency income accepted (subject to FX stability)
• Lending Areas: Most UK postcodes considered
• Property Types: Standard residential, buy-to-let, new builds, HMOs
• Ownership Structures: Personal name, joint ownership, SPVs or company purchase

Why Choose ZigZag Financial?

Navigating the UK mortgage market from abroad can be difficult—but not with us on your side. At ZigZag Financial, we offer:

✅ Access to specialist expat and foreign national lenders
✅ Solutions for complex income structures and overseas currencies
✅ Advice on tax-efficient structures (SPVs, trusts, Ltd Companies)
✅ Help with legal, compliance, and international documentation
✅ Multilingual support and experience with clients from over 30 countries

We know how to present your case clearly to lenders and avoid unnecessary delays or refusals.

Required Documents (Typical)

To speed up the process, we’ll help you prepare the right paperwork from the start. You’ll typically need:

• Valid passport and visa (if applicable)
• Proof of address (utility bill, bank statement)
• Proof of income (employment contract, payslips, tax returns)
• Bank statements (UK or international accounts)
• Credit report (UK or international equivalent)
• Source of deposit (required under UK anti-money laundering laws)

We’ll walk you through what’s required—no matter where you're based.

Frequently Asked Questions

Can I get a mortgage if I earn in a foreign currency?
Yes. Many lenders accept income in USD, EUR, AED, SGD, and other stable currencies—subject to exchange rate considerations.

Do I need a UK credit history?
Not always. Some lenders consider international credit reports or will work around limited UK footprint.

Can I buy a UK buy-to-let as a foreign national?
Yes. Many of our clients are international investors purchasing rental properties in the UK.

Can I use an offshore company or SPV to purchase?
Yes, with the right structure and lender, this is entirely possible—especially for portfolio or high-net-worth clients.

Let’s Get You Funded—Wherever You Are

Whether you're a British expat returning home, a foreign investor building your UK portfolio, or simply navigating a complex mortgage from abroad ZigZag Financial is here to make it easy.

ZigZag Financial – Bridging borders with expert UK mortgage advice.