Why UK lenders make it difficult from Spain
Foreign income
Your salary is in euros, your mortgage is in pounds. Most high street lenders simply do not have a process for that.
No UK address
Leaving the UK electoral roll affects how lenders see you, even with a perfect credit history.
Fewer lenders, worse terms
The mainstream banks that do accept expats often reserve their least competitive products for you.
-
Access to expat specialist lenders that do not deal directly with the public
-
Applications packaged the way these lenders need to see them, first time
-
Euro income assessed properly, not treated as a problem to explain away
-
One point of contact, in your time zone, for the whole process
What we do differently
What to expect
01
First conversation
We look at your income, your timeline and what you want to buy. No cost, no commitment.
02
Lender search
We identify which lenders will realistically approve your case.
03
Application
We prepare and submit the full package on your behalf.
04
Completion
We stay on it until the funds are released.
Who you are working with
Expat Mortgage Brokers is authorised and regulated by the Financial Conduct Authority. We work exclusively with British nationals living overseas.
FCA regulated
FCA No. 930781
Expat specialists only
We do not work with UK residents
20+ years of experience
Over two decades working in financial services
Common questions from Spain
1 / Can I get a UK mortgage if I am paid in euros?
Yes. A number of lenders accept euro income, though they apply their own conversion criteria.
2 / Do I need to be UK tax resident?
No. Non resident applications are exactly what we handle.
3 / Can I remortgage a property I already own in the UK?
Yes, including switching a residential mortgage to buy to let if you are now renting it out.
4 / Will I need a larger deposit?
Expat products often require more than standard residential mortgages. The exact figure depends on the lender and your profile.