British diplomats and civil servants working overseas can have very different circumstances from other expatriates. You may be living abroad because of an overseas posting, working for a UK government department or organisation, and receiving income under an established employment arrangement.

If you are considering buying, remortgaging or refinancing a UK property while working overseas, there are several factors that may be relevant to your mortgage application, including your employment, overseas residency, income and the purpose of the property.

Working overseas does not automatically prevent you from applying for a mortgage on a UK property. However, your overseas posting means the lender may need to consider aspects of your circumstances that would not normally arise for someone living in the UK.

Your employment arrangements can be particularly relevant. You may have a permanent UK-based role but be temporarily posted overseas, or your circumstances may involve a longer-term international assignment.

The details matter because lenders assess applications individually and their criteria for expatriate borrowers can vary.

One potential advantage of working for an established organisation is that your employment and income may be relatively straightforward to evidence.

Depending on your circumstances, you may receive:

• A basic salary
• Overseas allowances
• Additional employment-related payments
• Other forms of remuneration associated with your posting

However, different types of income may not necessarily be treated in the same way for mortgage purposes.

If part of your remuneration is linked specifically to your overseas posting, it is important that the lender has a clear understanding of your overall employment and income position.

Not every expat is permanently based abroad.

You may have a UK home and have been sent overseas for a fixed period, with an expectation that you will eventually return. In other circumstances, you may have been overseas for a number of years.

Your longer-term plans can be relevant when considering the type of UK property and mortgage you require.

For example, you might be purchasing a property with the intention of returning to it after your posting, rather than buying a property purely as an investment.

There are several reasons why a diplomat or civil servant might want to purchase UK property while living abroad.

You may be:

• Buying a future home in the UK
• Purchasing a property for your family
• Replacing a previous UK residence
• Buying an investment property
• Building or maintaining a UK property portfolio

The intended use of the property is important because residential and buy-to-let mortgages have different considerations.

If the property is intended to be rented out, for example, you may need to consider a buy-to-let mortgage rather than residential borrowing.

You may already own a property in the UK and want to review your mortgage while working overseas.

Perhaps your current mortgage deal is coming to an end, your circumstances have changed since you originally borrowed, or you want to consider whether refinancing could help with your plans.

Moving overseas can change the way your application is assessed, even if you already have an established UK mortgage.

Your current employment, residency, income and property circumstances may all need to be considered again.

Diplomatic and civil service roles can sometimes involve allowances associated with an overseas posting.

The treatment of any additional employment-related income will depend on the lender and the circumstances of the application. It should not be assumed that every form of allowance will automatically be included in an affordability assessment.

Providing clear information about your employment package can therefore be important.

The documentation required will depend on the lender and your individual circumstances.

You may need to provide information such as:

• Proof of identity
• Evidence of your overseas address
• Employment details
• Salary information
• Details of your overseas posting
• Bank statements
• Evidence of your deposit or existing equity
• Details of existing mortgages and other borrowing
• Information about the UK property

If your income includes allowances or other additional payments, further documentation may be required to explain how these are paid.

Your country of residence can be one of the factors considered when applying for a UK mortgage from overseas.

Lenders do not necessarily treat every country in the same way, and their criteria can change.

This means that being employed by a UK government organisation does not mean that every lender will automatically assess your application in the same way. Your employment, residency, income and wider financial circumstances still need to be considered.

Even where employment is stable, certain circumstances may require closer consideration.

These could include:

• Income paid partly in a foreign currency
• Complex overseas allowances
• A temporary or changing posting
• Multiple sources of income
• Significant existing borrowing
• A change in employment or posting
• Buying a property that does not fit straightforward residential requirements

These factors do not automatically prevent someone from obtaining a mortgage. They simply mean that the lender may require a fuller understanding of the circumstances.

For someone working overseas on a government posting, it can be useful to explain the wider employment picture rather than simply providing a salary figure. The reason you are overseas, the nature of your posting and how your income is structured can all help put the mortgage application into context.

Before starting a mortgage application, it can be helpful to have your employment and financial information organised.

Consider gathering details of your current posting, salary and any relevant allowances, together with information about your overseas residency, existing UK borrowing and the property you are considering.

It is also useful to establish whether the property will be your future home, a property for your family or an investment, as this can affect the type of mortgage required.

If you are a British diplomat or civil servant living overseas and considering a UK mortgage, Giraffe Private Finance can help you understand the factors that may be relevant to your circumstances and the information lenders may require.

Lending criteria vary between lenders, particularly for applicants living overseas. Personalised advice can help you understand what may be available before proceeding with an application.

This article is for general information only and does not constitute personalised mortgage, financial, tax or legal advice. Mortgage availability and lending criteria vary between lenders and individual circumstances. Any mortgage application is subject to lender assessment.

Yes, British engineers and industrial professionals living overseas may be able to obtain a UK mortgage, whether they are permanently employed, working on international assignments or undertaking fixed-term contracts. Lenders will typically consider your country of residence, income, employment arrangements, existing financial commitments and the property you intend to purchase or remortgage. Overseas allowances, foreign currency earnings and complex employment structures can introduce additional considerations, so it is important to understand how your income may be assessed.

Engineering and industrial careers frequently involve international opportunities. British professionals may relocate overseas to work on major infrastructure projects, energy developments, manufacturing operations or specialist technical assignments.

You might be a mechanical engineer working in the UAE, a project director managing an infrastructure development in Australia or an electrical engineer employed by a multinational company in Singapore.

Although you may have an established career and a substantial income, obtaining a UK mortgage while living overseas can involve different requirements from those you encountered when living in Britain.

The important consideration is not simply your profession or salary. Lenders will also want to understand how you are employed, where you live, how your income is paid and whether the proposed mortgage is affordable.

Many engineers and industrial professionals working overseas are employed by established international companies and receive a regular salary.

This can make their employment arrangements relatively straightforward to document, particularly where their employer can provide a clear employment contract, payslips and confirmation of income.

However, different lenders have different approaches to overseas earnings.

They may consider your basic salary, employment history, income currency, existing commitments and the sustainability of your income.

Your overall remuneration package may also include bonuses, accommodation allowances, transport allowances or other benefits.

It is important to distinguish between your total employment package and the income a particular lender is prepared to use when assessing mortgage affordability.

International engineering positions can come with additional benefits, particularly when the employer requires you to relocate.

These might include accommodation, travel, transport or hardship allowances.

Whether any of these payments can be included in a mortgage affordability assessment depends on the lender and the nature of the payment.

A lender may want to understand whether an allowance is guaranteed, how regularly it is paid and whether it will continue.

You should therefore provide a clear breakdown of your basic salary and any additional payments rather than assuming that your entire remuneration package will be accepted as qualifying income.

Employment with an established multinational engineering or industrial company can make certain aspects of your application easier to document.

For example, a lender may be able to verify your employer, employment history and remuneration through conventional documentation.

This can be relevant for professionals working in sectors such as:

• Oil, gas and renewable energy.
• Civil engineering and infrastructure.
• Aerospace and aviation.
• Automotive and advanced manufacturing.
• Mining and industrial operations.
• Electrical and mechanical engineering.
• Construction and major project management.

However, employment with a recognised company does not guarantee mortgage approval.

Your country of residence, affordability, deposit, credit history and the proposed property remain important.

Not every engineer working overseas has a conventional permanent employment contract.

You may work on major projects with a defined completion date, move between international assignments or undertake specialist consultancy work.

For example, you might spend two years on an energy project in Qatar before accepting another assignment in Australia.

If you work under fixed-term contracts, lenders may consider your current contract, previous employment, professional experience and continuity of earnings.

Some may require additional evidence of your employment history or future income.

The assessment may also differ depending on whether you are directly employed by a company, work through your own business or operate as an independent contractor.

If you have a more complex contracting arrangement, our related guide, Expat Mortgages for Contractors, explores the additional considerations in greater detail.

Yes. UK mortgage lenders can have different policies concerning applicants living in different countries.

British engineers work in many locations, including the UAE, Saudi Arabia, Qatar, Singapore, Hong Kong, Australia, Europe and North America.

Your country of residence can affect which lenders may consider your application, the documents required and how your income is assessed.

Your nationality alone does not determine eligibility.

For professionals who regularly move between international assignments, it is particularly important to establish your current country of residence and employment arrangements.

If you expect to relocate again soon, this may also be relevant to your mortgage application.

British engineers employed overseas are frequently paid in a currency other than pounds sterling.

You might receive your salary in UAE dirhams, US dollars, euros, Australian dollars or another currency.

Because a UK mortgage is normally denominated in pounds, lenders need to consider the sterling equivalent of your overseas income.

Different lenders may apply different approaches to foreign currency earnings and exchange-rate risk.

For example, if you earn your salary in Australian dollars but make your mortgage payments in sterling, exchange-rate movements can affect the proportion of your income required to meet those payments.

You should consider this risk when reviewing your budget, particularly if you intend to retain the UK property for several years.

Yes, British engineers and industrial professionals living overseas may be able to obtain UK buy-to-let mortgages, subject to lender criteria.

Some expatriates purchase UK property as a long-term investment while continuing their international careers. Others retain a former UK home and rent it out after relocating.

You might be considering:

• Purchasing your first UK rental property.
• Remortgaging an existing investment property.
• Releasing equity to help fund another purchase.
• Expanding an established UK property portfolio.
• Retaining a UK property while working overseas.

Buy-to-let lenders will generally consider the property's rental income and the proposed borrowing. Depending on the lender and mortgage type, they may also assess your personal income, existing properties and other financial commitments.

If you already own several rental properties, additional portfolio information may be required.

It is important to establish how the property will be used before exploring mortgage options.

You may want to purchase a UK property even if you have no immediate plans to return.

For example, you might intend to relocate back to Britain after completing an overseas engineering assignment, purchase a property for future retirement or buy a home that your family will occupy.

Your intended use of the property matters.

A home intended for your own future occupation may require a different mortgage arrangement from a property purchased specifically to generate rental income.

You should be clear about who will occupy the property, whether it will be rented out and when you expect to return to the UK, if applicable.

If you already own a UK property, your existing mortgage and any rental income may also be relevant to a new application.

The deposit required will depend on the mortgage type, lender, property and your individual circumstances.

There is no single deposit requirement that applies to every British engineer living overseas.

If you have accumulated savings while working abroad, a lender may need evidence showing where those funds originated.

For example, you may have built up your deposit through salary payments, bonuses or savings held in an overseas bank account.

Be prepared to provide bank statements and other relevant documents demonstrating the source of your funds.

If your deposit is held in a foreign currency, remember that exchange-rate movements can affect its sterling value before you complete your purchase.

You should also allow for purchasing costs and retain sufficient savings for your ongoing financial commitments.

Engineers and industrial professionals working overseas should prepare clear evidence of their employment, income and residency.

Use this checklist to organise your documents before making an enquiry. Your lender may request additional information.

Valid passport and identification

Proof of current overseas address

Employment contract and employer detailsRecent payslipsBank statements showing salary paymentsDetails of bonuses and overseas allowancesEvidence of deposit and source of fundsExisting mortgage and loan statementsDetails of any UK rental propertiesCurrent and previous contracts, if applicable

0 of 10 prepared

Copy checklist

If you receive part of your remuneration through allowances or variable payments, it can be useful to have a clear breakdown from your employer.

For fixed-term or project-based roles, lenders may request previous contracts or additional evidence of your employment history.

Even experienced professionals with substantial overseas earnings can encounter difficulties when applying for a UK mortgage.

Moving between countries can make it more complicated to establish your residency, employment history and financial commitments.

Your total remuneration may be significantly higher than your basic salary, but lenders may not accept every component of your package.

If your employment depends on the duration of a particular project, a lender may want additional evidence about the continuity of your income.

You may already have a mortgage, personal loan or other borrowing in the country where you work. These commitments can be relevant to affordability.

If you have lived overseas for many years, you may have limited recent UK credit activity. Lenders differ in how they assess applicants in this position.

If you receive payments from more than one country, operate through an overseas company or have multiple sources of income, additional documentation may be needed.

These factors do not automatically prevent you from obtaining a mortgage. However, they can affect which lenders may consider your application and the information required.

If you are considering purchasing or remortgaging UK property while working overseas, early preparation can help you understand your position.

Start by establishing your basic salary and separating it from bonuses, allowances and other variable payments.

Make sure your employment documentation is up to date, particularly if you have recently started a new international assignment.

Review your existing financial commitments in both the UK and your country of residence.

If you intend to use overseas savings for your deposit, gather evidence showing how those funds accumulated.

Finally, be clear about your plans for the property and whether you expect to remain overseas, relocate again or return to Britain.

This information can help a mortgage adviser identify the lender criteria relevant to your circumstances before you make a formal application.

Potentially. Your eligibility will depend on your employment arrangements, income, country of residence and the lender's criteria. If you work on rotation or under a fixed-term contract, additional information about your employment history may be required.

This depends on the lender. Some may consider certain regular allowances, while others may assess affordability primarily using your basic salary. You should provide a breakdown of your remuneration package.

Potentially, although your current residency and employment arrangements will need to be established. An anticipated relocation may also be relevant, so it is important to explain your circumstances accurately.

Not necessarily. Many parts of the mortgage application process can be managed while you are overseas. However, identity verification, documentation and legal requirements will depend on the lender and the transaction.

Yes, subject to your circumstances and lender criteria. Your current mortgage balance, property value, overseas income, residency and intended use of the property may all be relevant.

Before applying for a UK mortgage, gather your employment contract, income evidence, overseas address documentation and details of your existing financial commitments.

If your remuneration includes allowances or bonuses, prepare a clear breakdown of your earnings. If you work on fixed-term projects, organise your contracting history.

You can then explore the mortgage options that may be available for your particular employment and residency arrangements.

Giraffe Private Finance specialises in UK mortgages for British expatriates, including professionals working overseas in engineering and industrial roles.

Whether you are permanently employed by a multinational company, working on international projects or considering a UK property investment, Kathryn can help you understand how your employment, income and residency may affect your mortgage options.

If you are a British engineer or industrial professional considering a UK property purchase or remortgage, contact Giraffe Private Finance to discuss your circumstances.

Kathryn — Mortgage Adviser, Giraffe Private Finance

Kathryn has 11 years' experience as a mortgage adviser and holds DipFA and Cert CII (MP) qualifications. Giraffe Private Finance is a specialist UK mortgage brokerage helping British expatriates purchase, remortgage and refinance UK property.

Important information: This article is for general information and does not constitute personalised mortgage, tax or legal advice. Mortgage availability and lending criteria vary according to individual circumstances and the lender. Applications are subject to affordability assessments, property valuation and the relevant lender's requirements. Your property may be repossessed if you do not keep up repayments on your mortgage.

Yes, British expats working in IT, technology and cybersecurity may be able to obtain a UK mortgage while living and working overseas. Whether you are a permanently employed software engineer, a cybersecurity consultant, a technology executive or an independent contractor, lenders will consider your income, employment arrangements, country of residence and existing financial commitments.

Technology professionals can have complex remuneration packages involving bonuses, stock options, restricted stock units (RSUs) or contract income. Understanding how lenders assess these different income sources is particularly important when applying for a UK mortgage from overseas.

The international technology sector offers significant career opportunities for British professionals. You may have relocated to Silicon Valley, accepted a cybersecurity position in Singapore, joined a technology company in Dubai or moved to a European technology hub.

You might also work remotely for a company based in another country or operate your own technology consultancy.

Whatever your circumstances, living overseas does not automatically prevent you from obtaining a UK mortgage.

However, lenders can have different policies concerning overseas applicants, particularly where income is paid in a foreign currency or includes variable remuneration.

For technology professionals, the main challenge is often establishing how much of their total income a lender is prepared to recognise.

Many British technology professionals working overseas receive a conventional monthly salary from an established employer.

For example, you might work as a software engineer for a multinational technology company, an IT director for an international financial institution or a cybersecurity specialist for a global consultancy.

If you receive a regular salary, a lender will generally want evidence of your employment and earnings.

This may include your employment contract, recent payslips, bank statements and information about your employer.

However, your basic salary is not necessarily the same as the total remuneration you receive.

Technology professionals may also receive annual bonuses, performance-related payments, stock awards or other benefits.

Different lenders have different approaches to these additional income sources.

This is a particularly important consideration for technology professionals.

Senior software engineers, technology executives and employees of large technology companies may receive a substantial proportion of their remuneration through equity awards or performance-related payments.

Your remuneration package might include:

• Basic salary.
• Annual or quarterly bonuses.
• Restricted stock units (RSUs).
• Employee stock options.
• Commission or other performance-related income.
• Additional employment allowances.

Although these payments can form a significant part of your total compensation, you should not assume that a mortgage lender will include all of them when calculating affordability.

RSUs are commonly used by technology companies as part of employee remuneration.

They generally become available to the employee according to a vesting schedule and the conditions of the award.

A lender considering RSU income may need to understand the vesting arrangements, historical awards and whether the income is sufficiently established.

Some lenders may not accept RSU income at all, while others may consider certain forms of equity-based remuneration under their individual criteria.

Unvested shares should not be treated as guaranteed future income.

If you receive annual or quarterly bonuses, a lender may request evidence of previous payments.

The assessment can depend on whether the bonus is guaranteed or discretionary, how regularly it has been received and the lender's approach to variable income.

A high total compensation package does not necessarily translate into the same level of mortgage affordability across every lender.

Employment with an established multinational technology company can make certain aspects of your application easier to document.

For example, you may have a clear employment contract, regular payslips and an established employment history.

However, working for a recognised company does not guarantee mortgage approval or determine how much you can borrow.

Lenders will still consider your country of residence, income currency, affordability, existing commitments, deposit and the property itself.

This applies whether you work for a global technology company, an established cybersecurity business or a smaller specialist employer.

Remote working has become an established feature of the technology industry.

You may live in France while working for a British technology company, be employed by a US business while living in Portugal or work remotely from several international locations.

These arrangements can introduce additional questions for mortgage lenders.

They may need to establish your actual country of residence, employment arrangements, income source and currency.

For example, being paid in sterling by a UK employer does not necessarily mean you will be assessed in the same way as a UK resident if you live permanently overseas.

If you regularly move between countries, it is important to explain your residency and employment circumstances accurately.

Your tax residence, immigration status and employment structure may also require clarification where relevant.

Potentially, although the assessment may differ from that of a permanently employed applicant.

Independent technology consultants and cybersecurity specialists often work on fixed-term contracts, receive daily-rate payments or operate through their own limited companies.

Depending on the lender, relevant considerations may include your current contract, previous contracting history, income records and continuity of employment.

For example, a cybersecurity consultant who has worked on successive contracts for several years may have a different income profile from someone who has only recently left permanent employment.

If you operate through an overseas company, the lender may require additional information about your business and personal income.

Not every lender will consider every contracting or company structure.

For more information, see our related guide, Expat Mortgages for Contractors.

British IT and cybersecurity professionals work in technology hubs around the world, including the United States, UAE, Singapore, Australia, Canada and across Europe.

UK lenders have different policies concerning applicants living overseas. Some consider borrowers resident in a wide range of countries, while others have more restrictive criteria.

Your country of residence may influence which lenders can consider your application, what documentation they require and how they assess your income.

For example, a British software engineer living in California and earning US dollars may have different mortgage considerations from an IT director living in Dubai and receiving a salary in UAE dirhams.

If you are planning to relocate again, it is useful to discuss this before applying, particularly if your employment or income arrangements will change.

Many technology professionals earn substantial salaries in currencies other than pounds sterling.

Your income may be paid in US dollars, euros, Singapore dollars, UAE dirhams or another currency.

Because a UK mortgage is normally denominated in sterling, lenders need to assess your foreign currency earnings and the potential impact of exchange-rate movements.

Different lenders may use different methods when calculating the income they are prepared to accept.

It is also important to consider currency risk from your own perspective.

If your salary is paid in US dollars but your mortgage payments are in pounds, exchange-rate movements could increase the proportion of your income required to meet those payments.

This is particularly relevant if you expect to remain overseas for several years.

Yes, British technology professionals living overseas may be able to obtain UK buy-to-let mortgages, subject to individual lender criteria.

You may want to invest some of your overseas earnings in UK property, retain your former home as a rental property or expand an existing investment portfolio.

A buy-to-let mortgage assessment will generally consider the property's rental income and the proposed borrowing. Depending on the lender and mortgage type, your personal income and existing financial commitments may also be relevant.

If you already own multiple rental properties, lenders may request additional information about your portfolio.

If you are purchasing a property with the intention of renting it out, it is important to explore mortgage arrangements that reflect the property's intended use.

There is no single deposit requirement that applies to every British technology professional living overseas.

The amount required will depend on the lender, mortgage type, property and your individual circumstances.

Technology professionals may have accumulated savings through overseas employment, bonuses or the sale of company shares.

If you intend to use these funds for a deposit, a lender and your conveyancer may require evidence showing their origin.

For example, if your deposit comes from selling vested RSUs, you may need to provide documentation showing the original share award, vesting, sale and transfer of the proceeds.

If your deposit is held overseas, additional documentation may be required to establish the source of funds.

You should also allow for purchasing costs and consider how currency movements could affect the sterling value of your savings.

The precise documentation will depend on your employment arrangements and the lender's requirements.

For permanently employed technology professionals, documents may include:

• A valid passport and proof of overseas address.
• Your employment contract and recent payslips.
• Bank statements showing salary payments.
• Evidence of bonuses or other variable remuneration, where relevant.
• Documentation relating to RSUs or share-based income, if you want these considered.
• Evidence of your deposit and its source.
• Details of existing mortgages, loans and other financial commitments.
• Information about the UK property you intend to purchase or remortgage.

Self-employed consultants, contractors and business owners may need to provide additional contracts, company accounts or income records.

If your remuneration includes several components, preparing a clear breakdown can help your adviser understand how your income is structured.

Technology professionals can have financial arrangements that require additional consideration, even when their overall earnings are substantial.

A large proportion of income paid in shares

Your total compensation may include significant RSU awards or stock options, but a lender may assess your income primarily using your basic salary.

Recently changing employers

Moving to a new technology company may involve a probationary period, a different remuneration structure or limited evidence of bonuses from your new employer.

Working for a startup

Your remuneration may include equity with an uncertain future value. Lenders may need to assess your regular cash income separately from potential equity gains.

Multiple income sources

You may receive income from employment, consulting, a technology business or other investments. Different income sources may require different supporting documents.

International employment arrangements

You may live in one country, work for a company registered in another and receive income in a third currency. This can require additional explanation and documentation.

None of these circumstances automatically prevents you from obtaining a mortgage. However, they can affect which lenders may consider your application and how your affordability is assessed.

If you are considering purchasing or remortgaging UK property, it is useful to review your financial position before beginning the application process.

Establish your basic salary and income currency.

Separate guaranteed earnings from bonuses and share-based remuneration.

Gather evidence of your employment and income history.

Organise relevant RSU, bonus or contracting documents.

Review existing UK and overseas financial commitments.

Prepare evidence of your deposit and source of funds.

Confirm your current country of residence and future relocation plans.

Decide whether the property will be your home or a rental investment.

Understanding how a lender may assess your particular income structure is especially important if your total remuneration is significantly higher than your basic salary.

It can also be useful to review your mortgage position before changing employers, moving country or making a major financial commitment.

Potentially. If you are a British expat employed by a US technology company, lenders may consider your salary, country of residence, income currency and wider financial circumstances. Any bonuses or share-based remuneration will be assessed according to the lender's criteria.

Funds received from selling vested RSUs may be suitable for a deposit, subject to the lender's requirements and satisfactory evidence of the source of funds. The lender and conveyancer may request relevant award, vesting, sale and bank statements.

Potentially. Your country of residence, employment arrangements, income and the proposed property will all be relevant. Being employed by a UK company does not automatically mean that UK-resident mortgage criteria will apply.

Yes, some lenders may consider cybersecurity contractors working overseas. Your current contract, previous contracting history, income structure and country of residence can all influence the assessment.

Potentially. Your current mortgage, property value, income, residency and existing financial commitments will be relevant. If the property's use has changed since you originally purchased it, this should also be considered.

Before applying for a UK mortgage, establish how much of your remuneration is regular salary and how much comes from bonuses, shares or other variable payments.

Gather your supporting documents, review your existing financial commitments and be clear about your plans for the property.

If your income structure is complex, discussing your circumstances with a mortgage adviser before making an application can help you understand the relevant lender requirements.

Giraffe Private Finance specialises in UK mortgages for British expatriates, including professionals working overseas in IT, technology and cybersecurity.

Whether you receive a conventional salary, earn substantial bonuses, hold company shares or work as an independent consultant, Kathryn can help you understand how your income and residency may affect your mortgage options.

If you are considering purchasing, remortgaging or refinancing a UK property while working overseas, contact Giraffe Private Finance to discuss your circumstances.

Kathryn — Mortgage Adviser, Giraffe Private Finance

Kathryn has 11 years' experience as a mortgage adviser and holds DipFA and Cert CII (MP) qualifications.

Giraffe Private Finance is a specialist UK mortgage brokerage helping British expatriates purchase, remortgage and refinance UK property.

Important information: This article is for general information and does not constitute personalised mortgage, tax or legal advice. Mortgage availability and lending criteria vary between lenders and individual circumstances. All applications are subject to lender assessment, affordability checks, property valuation and the relevant lending criteria. Your property may be repossessed if you do not keep up repayments on your mortgage.