UK Mortgages

British expats considering investing in Buy to Let properties back home often find gaining a UK mortgage challenging. Through providing expat savings accounts Skipton International has understood the needs of expats for over 20 years and hence developed an expat lending proposition specifically to provide UK mortgages for buy to let investors resident overseas.

Whilst not in the UK ourselves, Skipton International is based on the Channel Island of Guernsey, an English speaking jurisdiction on the same time zone as the UK and only a short flight from London. We are also a subsidiary of Skipton Building Society, a major provider of UK mortgages for UK residents. We therefore understand the UK mortgage market and have tailored our products to be delivered as efficiently as possible.

Currently, Skipton International provides UK mortgages secured only on properties located in England and Wales, however, we are looking at expanding our proposition to soon include Scotland.

We have designed our processes to make gaining a UK mortgage for Buy to Let properties as stress free as possible. We pride ourselves on a fast turn around for expat lending applications as having certainty on whether you qualify for a UK mortgage is particularly important when resident overseas, often on a challenging time zone with which to engage with UK estate agents or developers. Once your UK Mortgage application has been received you will be in direct contact with the Underwriter responsible for its consideration, shortening lines of communication and ensuring you are kept fully informed as to progress. In support of providing clarity we provide an Expatriate Mortgage Application Guide so that you are fully aware of the process from the outset.

An important point to note is that Skipton International cannot provide UK mortgages if you (or a close family member) intends to live in the property at any point in the future. Skipton International is limited to providing Expat Mortgages for UK Buy to Let properties only.

If you would like an estimate of how much you might be able to borrow and the resulting monthly repayments please check out our expat mortgage calculator.