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The global landlord: Why expats need specialist support
At Foundation Home Loans, we know that no two landlords are the same, and that’s especially true for expats. Managing property from overseas comes with its own set of challenges from navigating time zones and currency exchange to proving income and ID across different countries. For many UK nationals living abroad, these hurdles can make getting a mortgage through a mainstream lender feel harder that it needs to be. That’s where exactly where our specialist support comes in.
Expat landlords are a different kind of investor. They’re not holding on to property for sentimental reasons; they’re managing their portfolios strategically. For some, it’s about supporting family members or planning for retirement. For others, it’s about maintaining a financial foothold in one of the world’s most stable rental markets. The UK property market remains a strong, familiar choice for investors abroad, but getting the right finance in place can often be the hardest part.
That’s why we’ve built our expat range to make things simpler. We understand that clients living and working overseas need a lender who can take a practical view of their situation, one that reflects how people actually live and work today. Our approach is all about flexibility, accepting applications from over 60 countries, including the EU, EEA, Switzerland and the UAE (subject to conditions) with lending available up to 75% loan-to-value. Only one year’s income evidence is required, and we accept a wide range of ID options, from residency cards to official UK government correspondence and credit or utility statements from UK firms.
This flexibility helps brokers place cases that might otherwise get stuck. Whether it’s a purchase or remortgage, we aim to make the process smooth and predictable, with early remortgage options and a reduced 1.25% product fee available across the expat range where the product allows. By removing unnecessary barriers, we make it easier for brokers to turn complex overseas enquiries into completed cases.
For brokers, working with expat clients is all about confidence, knowing that you’ve got a partner who understands overseas income, tax rules and documentation. Our underwriting team takes a common-sense approach, looking at the bigger picture rather than ticking boxes. We know that a client’s circumstances don’t always fit perfectly into standard lending criteria and that’s okay. What matters is finding a solution that works.
Expat landlords today are savvy, strategic and globally minded. They expect efficiency, clarity and service that fits around their lives, not the other way around. At Foundation Home Loans, we make that possible. Our experience, flexible lending criteria and pragmatic underwriting mean brokers can offer their clients real solutions, helping them manage their UK investments confidently, wherever they are in the world.
Supporting expat landlords isn’t just about securing a mortgage. It’s about giving them the reassurance that their financial connection to UK is in good hands. For brokers, it’s confidence of knowing they can place these cases quickly and successfully with a team who truly understands what international lending looks like in practice.
Contact your regional account manager today to discuss your expat opportunity.
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