You moved abroad for a better life. But your money shouldn't have to sit idle back home.
While you're building your career overseas, UK property prices keep climbing. Every month you wait is another month of missed rental income — and rising prices. Curious what you could afford? We help expats secure BTL mortgages from anywhere in the world.
We work with expats based in the Middle East, Asia, Americas, Europe, and beyond
Lenders who properly assess USD, EUR, AED, SGD and other currency earnings
Buy in your own name or through a UK limited company for tax efficiency
Standard lets, HMOs, holiday lets, and multi-unit blocks considered
Competitive LTV ratios for expat investors
Complete the entire application from abroad — we manage everything
Speak to an expat mortgage specialist — no obligation
Trying to get a UK mortgage from 5,000 miles away feels impossible. We've turned that frustration into hundreds of successful completions.
We understand the unique challenges of applying from abroad: foreign currency income, overseas employment verification, time zone coordination, and lenders who actually want expat business.
Most high-street banks won't lend to non-UK residents. We have access to specialist lenders who actively court expat BTL applications and understand overseas income documentation.
You don't need to fly back to the UK. We manage the entire process remotely — from initial assessment to completion. Video calls scheduled around your time zone.
Preparation is key. Here's what specialist lenders typically require from expat applicants.
Expat BTL mortgages typically require a minimum 25% deposit, though some lenders may ask for 30-40% depending on your residency country and income currency. The deposit must come from verifiable sources.
Lenders will assess the expected rental income against the mortgage payment (typically 125-145% rental coverage at a stressed rate). We help you understand which property types and locations meet lender criteria for expat BTL.
The expats who build wealth are the ones who act while others hesitate. 2 minutes to fill in our form — and we'll show you exactly what's possible from wherever you are in the world.
Or email us at hello@opusmortgage.co.uk