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Mortgages for Expats

Get a UK mortgage based on your full income and secure the home ‘back home’ you deserve.

  • Peace of Mind

  • No Upfront Fees

  • Choice of 100+ Lenders

  • Personal One to One Service

Working overseas and trying to secure a mortgage back home? If you’ve been working overseas and trying to secure a mortgage back home, you’ve probably discovered how difficult it can be.

Maybe your income’s in the wrong currency, or a high street bank has rejected your application because you don’t have a UK address.

Perhaps you’ve spent hours trying to get answers across time zones, feeling more isolated and frustrated with every email that goes unanswered. You’re not alone – this is the reality for thousands of British expats trying to keep a foothold in the UK property market.

brown brick house under blue sky during daytime

That’s where we come in

At Zeo Mortgages, we specialise in helping expats get the mortgages they deserve. We work with lenders who understand international finance and use human-based decisions rather than rigid computer systems. That means your case is looked at by someone who actually understands how international earnings and tax work – not just what the numbers say.

Because we’re a whole-of-market, directly authorised mortgage broker, we have access to a wide range of specialist lenders who are happy to accept all different kinds of applications. From your first call to completion, you’ll get personal, one-to-one service. We’ll make the process as clear and efficient as possible. We’ll match you with lenders who are comfortable with expat income and ensure that your documents meet UK requirements. You stay in control, informed, and supported – wherever you are in the world.

There are no upfront fees. If we don’t succeed in getting you a mortgage offer, you pay nothing, we only charge once you’ve received your mortgage offer – so we’re fully invested in getting your mortgage approved quickly.  

Fill in our quick enquiry form and your specialist adviser will call you for a chat to find out how much you could borrow – and which lender is most likely to say yes.

Start your Mortgage Search
Or call us now on 01606 531556

Why choose us?

Because we specialise in mortgages for Expats, we can offer you all sorts of benefits you won’t find elsewhere

Mortgages for Expats
  • Two Female Friends Or Same Sex Couple Celebrating With Pizza And Wine On Moving Day In New Home

    No UK address needed

    Because we know the market, we know who to approach and what they want to see. This means that your overseas income, residency and tax status are understood to ensure you get the best mortgage offer available.

  • Couple relaxing while moving in new home together

    Risk Free

    A lot of mortgage brokers will charge you a fee just for submitting your mortgage application, regardless of whether the application is successful or not. Here at Zeo Mortgages, all initial work and advice is free. If we don’t succeed in getting you a mortgage offer, you pay nothing.

  • Beautiful shot of old houses along a narrow street on a foggy day in Burford, Cotswolds, Oxfordshire

    Save You Time and Stress

    We know you don’t want to tell your story over and over again to a call centre. That’s why you have one point of contact, we deal with everything from preparing your documentation and seeing your application through to completion

  • Fast Decisions

    No-one wants to lose out on getting their dream home because they can’t prove they’ve got the funds in place to buy it. We can usually get you a decision in principle in 24 hours once we know your situation. We can usually get you a decision in principle in 24 hours once we know your situation.

How it works…

  • 1

    Get in Touch

    Complete our quick enquiry form and book a time for your first appointment call. Your adviser will call you and find out about your unique situation and what you want to achieve.

  • 2

    We find the right mortgage for you

    After your initial call we do the research from 1000’s deals to find the best mortgage for you. Your adviser will then talk you through the mortgage and why it’s the right one for you!

  • 3

    We deal with the application

    Relax while we submit the application and documentation to the lender, keeping you updated every step of the way.

  • 4

    Your mortgage is offered!

    With our help you will have the best opportunity to get the home you deserve.

    • Start your Mortgage Search
    Or call us now on 01606 531 556