A Guide for Expatriates Who’ve Been Living Abroad

Whether you’ve spent a few years working overseas or built a life abroad and are now planning your return, getting back on the UK property ladder as a returning expat comes with unique challenges—particularly when it comes to securing a mortgage.

Many returning Brits are surprised to find that their time abroad can impact their ability to get a mortgage in the UK, even if they have a strong income or savings. In this guide, we’ll walk you through what to expect, how to prepare, and what lenders are really looking for.

Why It’s Different for Returning Expats

Lenders assess risk based on credit history, income, and ties to the UK. If you’ve been out of the country for several years, you might have:

  • Gaps in your UK credit file
  • Foreign income that isn’t always accepted
  • Lack of recent UK address history
  • Limited UK banking activity

All of these factors can make you appear riskier to some mainstream lenders, even if your finances are in good shape. But don’t worry—it’s far from impossible.

Step 1: Rebuild Your UK Credit Footprint

One of the biggest hurdles is that your UK credit file can “go cold” while you’re abroad. Here’s how to start rebuilding it:

  • Register on the electoral roll at your new UK address as soon as you return.
  • Open a UK current account and use it regularly.
  • Consider a credit-builder credit card and repay it in full each month.
  • Make sure old accounts are still active (or consider reopening them).
  • Check your UK credit file through agencies like Experian, Equifax, or TransUnion for any errors or gaps.

Step 2: Understand Lender Requirements

Lenders vary in how they treat expats and returning Brits. Some specialise in expatriate or complex cases, while others might turn you away outright. Here are a few things they’ll consider:

✅ Employment & Income

  • Are you back in the UK and employed?
    If so, most lenders prefer you to have been in your job for 3–6 months, although some will consider less.
  • Still paid in a foreign currency or working remotely?
    Specialist lenders might accept this, but rates and terms can differ.

✅ Deposit Size

A larger deposit (ideally 15% or more) can significantly improve your chances, especially if you have a limited UK credit history.

✅ Property Type

Buying your own home (residential) vs. buying to let out (buy-to-let) will affect which lenders are open to you.

Step 3: Work with a Mortgage Broker Who Understands Expat Needs

Trying to go it alone with a high street bank can be frustrating. A broker who specialises in helping returning expats can:

  • Match you with lenders open to your situation
  • Help you gather the right documents
  • Ensure your foreign income (if applicable) is correctly assessed
  • Present your application to highlight your strengths

Step 4: Gather the Right Documents

To speed things up, have these ready:

  • UK proof of address (e.g. utility bill, bank statement)
  • UK and foreign bank statements
  • Evidence of employment and income
  • Passport and proof of right to reside in the UK (if applicable)
  • Credit reports (UK and, if relevant, foreign)

Final Thoughts

Returning to the UK can be both exciting and overwhelming—especially when it comes to buying a home. While it’s true that time abroad can make things a little trickier with mortgage applications, the right preparation and guidance can make a big difference.

If you’re planning a return and want to understand your options, we’d be happy to help you navigate the process and find a mortgage that works for you.

Get in touch with our team today to book a free, no-obligation chat.

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