Expat Broker Mortgages

Expat Broker Mortgages

Expat brokers are no ordinary mortgage broker. Expat brokers understand the expat community and appreciate the reasons for an expat mortgage purchase or an expat remortgaging. Capital Fortune have specialist expat brokers who have themselves worked overseas and understand the many financial benefits of expats and foreign nationals owning a home in the UK.

As mortgage brokers and expat broker specialists we can source and provide details of a number of mortgage lenders through our online mortgage service. We will be able to assist you as to what mortgages will be made available to expats. Home mortgage lenders UK wide are able to provide expat mortgages for the purposes of a purchase or a remortgage. The property can be lived in by the returning expat either permanently or as a second home and can be used at your leisure or to rent out. The choice remains yours.

Our expat brokers are able to source you the best value expat mortgages and provide you with a professional service from mortgage application to completion.

We are expat remortgage specialists and are able to assist you with capital raising for home improvements, debt consolidation or to simply release equity in order to purchase additional property abroad.

If you need any assistance why not speak to one of our Mortgage Advisers by calling 020 77 100 400 or Enquiry Online.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Changes in the exchange rate may increase the sterling equivalent of your debt.

We charge a fee for expat mortgage advice. The fee charged depends on your circumstances, but we estimate it to be 0.5% of the loan amount.

The information contained within this website is subject to the UK regulatory regime and is restricted to customers based in the UK and UK expats.

How to get in touch

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Selected Expat and Offshore Worker Mortgages

A selection of some of our lenders mortgage products and rates are shown below. Contact us for a quote specific to your circumstances. Table data updated 26/07/2017.

For /
Fixed Lender
% Lender




30/09/2019 4.59% 4.70% 2% in year 1, then 1% in year 2 £995


Expat Buy to Let to75% LTV

Repayment or Interest Only

Expat and UK Resident Joint Application.



3.19% Discount


5.70% 5.70% 3% in year 1, then 2% in year 2 £0 0.75%

Expat Residential to 80% LTV

Second Home or UK Base



1.69% Discount 31/07/2019 5.70% 5.70% 1% until 31/07/2019 £199 None

Expat Residential to 75% LTV

Free Standard Valuation.

Either: immediately returning to the UK or UK resident and Expat Joint Application.



2.89% Discount 2 Years 5.70% 5.70% 3% in year 1, then 2% in year 2 £0 0.75%

Expat Buy to Let

Max 50%-75% LTV (product dependant)

First Time Buyers / Pure Expat Applicants Considered


1.24% Fixed 30/11/2019 3.75% 3.75% 2% in year 1 & 2 £995 None

Expat Residential

Max 60% to 90% LTV (product dependant)

UK resident and Expat Joint Application



 2.80% Discount  2 Years  5.29%  5.29%  2% in year 1, then1% in year 2  £995  None 

Expat Holiday Let

Max 60% - 75% LTV (product dependant) 

007  3.60% Fixed 31/08/2019  4.00%  4.00%  2% in year 1,then 1% in year 2  None  1% 

Expat Buy to Let

Max 65% - 75% LTV (product dependant)

Personal income used (not based on rental income)