Ex-Pat Buy To Let Mortgages

Ex-pat buy-to-let (BTL) mortgages are designed for UK nationals living or working overseas who want to invest in UK property. Whether you’re looking to earn rental income, build your property portfolio, or keep a financial base in the UK, an ex-pat BTL mortgage allows you to make the most of the UK’s strong property market while living abroad.

How does it work?
These mortgages work much like standard buy-to-let loans, but they’re tailored to those earning income overseas. You’ll usually need a higher deposit (typically 25–40%) and will be asked to show proof of stable foreign income. Lenders also look at the property’s potential rental income to ensure it can comfortably cover your mortgage payments. Many require you to have a UK bank account and use a UK-based letting agent to manage the property for you.

Key considerations
Interest rates for ex-pat BTL mortgages can be slightly higher than standard rates, and currency exchange fluctuations may affect your repayments. You’ll also need to factor in any tax obligations in both the UK and your country of residence.

Despite these extra steps, investing in UK property while abroad can be a smart long-term move. With the right guidance, you can secure a mortgage that suits your needs, enjoy consistent rental income, and keep your investment growing—even while you’re overseas. Our team can help you explore the best options and make the process simple from start to finish.

Contact Us

If you have a commercial or specialist finance requirement, you can use our form to submit an enquiry or alternatively get in touch with a member of the team.

Get in touch

We are a credit broker not a lender

Balgores Commercial Finance Ltd is an Appointed Representative of Optimum ELITE which is a trading name of Optimum Commercial Solutions Ltd, registered in England and Wales 09518480. Optimum Commercial Solutions Ltd is authorised and regulated by the Financial Conduct Authority FRN: 808754. Balgores Commercial Finance Ltd trading address and registered office: 10 High Street, Wickford, Essex, England SS12 9AZ. Company number: 16489884.

There may be a fee for our advice. The actual amount you pay may vary but will never be more than 1% of the loan amount.

We conduct both regulated and unregulated business and therefore not all products provided through us are regulated by the Financial Conduct Authority.

We may receive a commission from the Lender that will vary depending on the lender, product or other permissible factors. The nature of any commission model will be confirmed to you before you proceed.

Our aim is to provide you with a professional and efficient service. However, there may be occasions where you feel this has not been achieved and should you wish to make a complaint about any aspect of the service we provide to you, you can do this by writing to 10 High Street, Wickford, Essex, England SS12 9AZ, or by telephoning us on 01268 763 477 where we will try to resolve your concern at the earliest time possible.