Expert expat mortgage advice.

Specialist solutions and support securing a future base in the UK.

Expat Mortgages

We understand the unique challenges faced by UK expats and overseas investors. Whether you're buying a home for family, investing in a buy-to-let property, or securing a future base in the UK, our team of mortgage specialists is dedicated to helping you access the right solutions.

Why choose ERG for your expat mortgage?

At ERG Finance, we specialise in connecting UK expats and overseas investors with the right mortgage solutions. With over 20 years' experience and access to more than 150 lenders including private banks and specialist institutions, we understand both what clients need and what lenders require to make expat applications succeed.

Living abroad adds complexity to the mortgage process, from foreign income structures to maintaining UK credit footprints, but our whole-of-market approach and deep specialist knowledge means we can navigate these challenges on your behalf. Whether you're planning your return to the UK, buying for family, or building an investment portfolio, we provide the strategic guidance and lender access to make it happen.

Specialist expertise – We work with lenders experienced in expat cases, helping you access products often unavailable to those living abroad.
Foreign income savvy – If you're earning in euros, dollars or any other currency, we’ll guide you through lender requirements, deposit expectations, and currency risk.
UK credit continuity – We’ll advise how to preserve or rebuild your UK credit footprint, whether that’s keeping an active UK bank account or forwarding correspondence.
Competitive rates & terms Expat mortgages today often carry similar rates (around 5–6%) to standard UK deals, our role is to secure the best one for your situation.

Which expat mortgage is right for you?

Residential Expat Mortgages are Ideal if you're:

Planning your return to the UK and want to lock in a home
Buying a UK property for family, children or aging parents, to use while you're abroad.
Securing a base ahead of your relocation

Buy‑to‑Let Expat Mortgages are best suited if you're:

Moving abroad and need to remortgage your UK home as a rental.
Already overseas and seeking investment property in the UK.

Frequently Asked Questions

Yes. We’ll match you with specialist lenders who regularly work with clients living internationally and help you navigate any country-specific restrictions.
Typically 20–30%, depending on property type and your personal circumstances.
Often, they align closely with standard UK mortgage rates. The extra cost comes only from added complexity, such as currency risk or overseas documentation.
Allow around 4–6 weeks from application to offer - but efficient submission and responsive support can help streamline the process.
We’ll guide you through assembling everything you need, typically including 3–6 months of income statements, proof of address, and ID. Credit reports from your country of residence may also be required.

Client Feedback

Excellent helpful advice, prompt communications and made process very straightforward.

Nathan was a pleasure to work with after some truly awful experiences trying to secure a mortgage with other companies. He was on the case from the very beginning, kept us well informed of the progress, and advocated with our lender to ensure everything worked smoothly through completion. He was a joy to work with. We'd recommend him and ERG to anyone who's had issues obtaining a mortgage elsewhere.

Great experience with ERG finance. Ryan is an expert, so knowledgeable and assists throughout the process, removing any stress and delay.

Nathan and the ERG Finance team are exceptional.

They have assisted me with financing twice now and I can't recommend them highly enough. On the first occasion multiple brokers failed to find me a product but Nathan managed to organise it perfectly.

10/10

Ryan has been absolutely incredible at supporting us through our purchase. He has found us an option that works for us, whilst having overcome numerous barriers along the way. He is also super friendly, down to earth and supportive. We couldn’t have asked for more. Thank you ERG Finance!

Hands down the best brokerage in Shrewsbury!

We had an excellent experience working with Ryan throughout our complex self build mortgage transaction. Ryan and Isabelle were professional, knowledgeable and incredibly responsive. They understood the nuances of what we wanted to do and guided us through the process with ease. Can’t thank them enough.

My first experience using a broker - Ryan has set the bar high! He & Izzy were both a pleasure to work with, available to answer all of my many questions, with kindness and no sense of condescension despite being a first-time buyer. I'd strongly recommend using his services to anybody buying property, and will continue to use ERG for any future sales.

If I could give 10 stars I would! After being messed around with another broker and telling the estate agent I may have trouble getting a mortgage due to being self employed she recommended Ryan, and she was spot on.

Honestly, without hesitation I would recommend Ryan/Izzy and the team at ERG to anyone looking for a mortgage, they take the stress out of it and are genuinely the best in the business.

Another fantastic result from ERG Finance. Ryan and Nathan are always so professional, easy to communicate with and get the most incredible mortgage deals, I don’t know how they do it!
Both personally and for my clients at work I am very grateful.

If I can give 10 stars instead of 5 I would!
Our broker Jake went above and beyond. Without him the deal would not have happen. Jake is very dependable and got great communication, making the most difficult process easy.

Amazing service. Our broker Jake was absolutely sensational, he literally did everything to make this deal happen including going above & beyond what we expected and what was required of him. Great communication is key and Jake kept us updated and informed throughout the entire process.

A huge thank you to Ryan and team at ERG Finance for their exemplary handling of my mortgage renewal. The team communicated clearly offering a range of products for review. With minimal fuss and a real personal touch, I was guided at every step in the process and I cannot recommend ERG highly enough. Highly professional and efficient.

Ryan and the team at ERG were excellent throughout our transaction. Without their knowledge and perseverance we would have been lost.

Ryan and Isabelle have been our advisers on several complicated projects and have produced the goods again and again. In a market bereft of the “personal touch” Ryan and his team are a welcome breath of fresh air.

Ryan and team helped secure a mortgage on our new home quickly and at a good rate. Saving so much time and hassle and getting us access to lenders who took into account our full circumstances. I’m happy to recommend.

Highly recommend ERG finance,
Having used Ryan previously,
He offered excellent advice and guidance throughout the whole process of our remortgage. Very professional and always available to help and support when needed.

We have used the team at ERG for over 10 years, they have helped us with residential, buy to let, let to buy, bridging, land, self build, commercial mortgages as well as a home equity facility on our main home. Highly knowledgeable and experienced, Ryan and the team have been an integral part of building our portfolio. Highly recommended!

When it comes to getting things sorted, look no further.. professional friendly approach, knowledgeable in all aspect’s of the process. Total peace of mind, from start to finish. Could not recommend anyone higher in this field.

Ryan and his team helped us to sort out a remortgage on a buy to let property. Their knowledge and professionalism is second to none and I would have no hesitation in recommending ERG Finance to anybody.

Very easy process from start to finish. Top company, thanks guys

Really happy with the service

This guy is the best in the business. I have worked with Ryan Garbett for 10 years. He is literally the most important business contact in my phone book. I would not have the property portfolio I have today if it was not for him and my hard work. He has never ever lost me a deal and has believed in my ability to produce in property world when others did not.

Ryan managed a complex finance deal for us early in the year. His understanding of the property space and ability to find solutions where others couldn’t was key. Professional, capable, and highly recommended.

Ryan and the team offered solutions that no-one else I spoke to provided and were ideal for the unique set of variables I have. I can't speak more highly of him. I can't imagine going anwhere else.

Ryan has been fantastic throughout the years. He's made everything clear and straightforward, always taking the time to explain my options and answer any questions. His knowledge, professionalism, and patience really stood out. I felt confident and supported every step of the way. I’d highly recommend Ryan to anyone looking for reliable mortgage advice.

I’ve used Ryan on numerous occasions to help secure development finance and three separate mortgages, and in every case, he has been absolutely outstanding. The development finance deals he arranged for me were not only secured quickly but were also perfectly tailored to support the progress of our projects. His expertise and dedication have been instrumental in helping us move forward with our developments.”

Ryan was amazing to work with. He was super knowledgeable, reassuring and was always pushing for the best deal possible. Highly recommend!

Ryan is exceptional at what he does, professional, friendly, and truly customer-focused. I’ve gone through three mortgage processes with him and wouldn’t consider working with anyone else.

ERG Private Finance Ltd - trading as ERG Finance is an Appointed Representative of New Leaf Distribution Ltd which is authorised and regulated by the Financial Conduct Authority: FCA Number 460421. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. Buy to Let mortgages and Commercial Lending are not usually regulated by the Financial Conduct Authority.