Whether you're planning for retirement, building long-term wealth or simply want to keep a foothold in the UK property market, a buy-to-let mortgage can be an excellent investment. As a British expat, the process can be more complex than for UK residents, but with the right advice, securing finance is often far easier than people expect. We specialise in helping British expats around the world arrange competitive UK buy-to-let mortgages that match their goals.

A buy-to-let property can become an important part of a diversified investment portfolio. Rental income and long-term capital growth have helped many expats build wealth while living overseas.

Already own a UK property? If you've moved abroad and plan to rent it out, you may need to switch from a residential mortgage to an expat buy-to-let mortgage. We can help you understand the options available.

Many British expats purchase a UK property years before they plan to return home. Renting it out in the meantime can help cover the mortgage while giving you peace of mind that your future home is already secured.
For many expats, owning property in the UK provides more than an investment. It maintains a financial and emotional connection with home, offers flexibility for future plans and creates a valuable asset for you and your family.
Returning to Britain after living overseas? Whether you're buying your next family home before you move or after you've arrived, we can help British expats secure a UK residential mortgage, even if you haven't been back in the UK for long.
Sometimes life takes an unexpected turn. A new job overseas, relocating with your family or deciding not to sell your UK home can mean becoming an accidental landlord. We can help you switch to an expat buy-to-let mortgage and rent out your property with confidence.
Please reach us at kathryn@giraffeprivatefinance.com if you cannot find an answer to your question.
Yes. Many UK lenders offer buy-to-let mortgages to British expats living overseas. Eligibility depends on factors such as your country of residence, income, employment, deposit and the property you wish to purchase.
Most expat buy-to-let mortgages require a larger deposit than standard UK mortgages. The exact amount varies between lenders, but having a bigger deposit can often give you access to more competitive interest rates.
Yes, in many cases you can. If you're relocating overseas and want to let your current UK property, you may need to change your existing mortgage to an expat buy-to-let mortgage or obtain consent from your current lender. We can advise on the most suitable option.
Yes. Many lenders will consider self-employed British expats, although they may require additional evidence of your income and business. We can identify lenders whose criteria best match your circumstances.
We help British expats living in many countries around the world. Lending criteria vary depending on your country of residence, but we regularly assist clients across Europe, the Middle East, Asia, North America and many other international locations. If you're unsure whether you're eligible, simply get in touch and we'll be happy to advise.

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
We offer advice on mortgages and non-investment insurance with other services referred to a third party.
Giraffe Private Finance limited is authorised and regulated by the Financial Conduct Authority.
This firm offers a free consultation and will usually charge a fee for mortgage advice if you decide to proceed with a mortgage application. The amount of the fee will depend on your circumstances and will be discussed and agreed with you at the earliest opportunity
Copyright © 2021 Giraffe Private Finance - All Rights Reserved.
Giraffe Private Finance limited is a company registered in England and Wales. Registration number: 12063870. Registered office address: 7-9 High Street East, Wallsend, Tyne & Wear, NE28 8PA.