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Expatriates
Our expat mortgage service is ideal for overseas workers or residents who need an expert finance solution for UK property purchase or investment.
Panthera Finance assist borrowers living and working in countries across all continents, arranging mortgage finance for clients earning their income in more than forty different currencies.
What is an expat mortgage?
An expatriate (expat) mortgage is designed for individuals living or working abroad, who wish to purchase property in the United Kingdom. These loans help expats to secure property finance despite earning in a foreign currency, facing exchange rate risks or lacking a UK credit history.
Arranging an expat mortgage
Mainstream lenders tend not to lend to expats for a variety of reasons. Foreign currency earnings are exposed to the risk of exchange rate fluctuations, which can directly affect a borrower’s ability to afford monthly loan repayments. Many expats also have limited or no UK credit history, and lenders may be concerned about associations with countries that are less familiar to them or have different systems to the UK.
Who is eligible for an expat mortgage?
Expat mortgages are designed for British clients who live outside the UK. But non-British nationals who live overseas may also be eligible to borrow from a small number of lenders if they meet certain eligibility parameters, such as a current credit footprint, property ownership, mortgage liability, wealth, familial link or indefinite leave to remain in the UK.
UK residents working overseas
It is often not just residence overseas that requires a person to take an expat mortgage. Many of our clients call the UK their home but work in another country and have a contract of employment with a non-British company or earn in a foreign currency. We work with expat mortgage lenders to evaluate income from overseas employment, rental properties or assets to determine eligibility, enabling our clients to buy homes, invest in real estate or refinance properties whilst living internationally.
Expat mortgage lenders
Although a few mainstream lenders advertise that they cater for these borrowers, they usually require them to meet restrictive criteria around which countries they work in, the frequency and duration of their travel, which currency they are paid in and the length, longevity and regularity of their employment contract. Expat mortgages are largely provided by smaller lenders or private banks who can cater for other issues associated with foreign residence, nationality, work or income.
Sourcing solutions for global clients
Whether you are buying or remortgaging a home or investment property, Panthera Finance understand that expat lending demands a uniquely tailored approach. Each country’s systems are different and every jurisdiction has its own obstacles to overcome. Our clients include British and non-British citizens, ranging from business owners to lawyers, contract workers to geologists, and fighter pilots to aid workers and teachers. Whatever your profession, our expert advisors are on hand to help.
Meet our dedicated team
Meet our advisors who specialise in sourcing mortgages for expatriates.
Alex Weldon
Associate Director
With 15 years’ experience in the property industry, Alex has extensive knowledge of the London & wider UK housing markets.
Since joining the finance sector in 2018, he has developed lending expertise and built strong lender relationships, achieving exceptional results for a diverse range of clients, including first-time buyers, portfolio landlords and high net worth individuals.
With a degree in engineering & design, Alex is highly analytical and excels in finding solutions for complex scenarios.
Alex is a dedicated father of two young children who enjoys the occasional round of golf while balancing family life.
Dan Gracie
Specialist Lending Director
With 18 years’ experience as a mortgage broker, Dan now specialises in complex cases and earned the 2023 British Specialist Lending Award for “Broker: Complex Income.”
He has developed strong relationships with lenders, which he leverages to create bespoke solutions for clients who don’t fit traditional criteria.
Dan handles a diverse range of scenarios, including expats, foreign currency income, overseas work, company owners, high net worth individuals, commercial properties and large property portfolios.
Outside work, Dan can usually be found on the tennis court, experimenting with different cuisines in the kitchen, or being a roadie for his drummer son and dancer daughter.
Anthony Farren
Senior Mortgage & Protection Advisor
Since joining Panthera Finance in 2019, Anthony has specialised in residential, buy-to-let, expat mortgages, complex lending, and short-term bridging finance.
He serves a diverse client base, including first-time buyers, home movers, and expats seeking investment opportunities, offering tailored solutions to meet their needs.
As a skilled protection advisor, Anthony also helps clients with life insurance and protection planning, ensuring their financial security and peace of mind.
At home on the golf course and tennis court, he can also be found in the gym. When not there, Anthony loves to spend time with his family & friends, especially in a pub garden on a summer’s day.
Andrew Chalton
Private Client Director
A former winner of the British Mortgage Award for “Large Loans,” Andrew is a seasoned structured debt advisor with over a decade of experience delivering bespoke funding solutions for high-net-worth and private clients.
He has cultivated strong relationships with Family Offices and key individuals within private equity and hedge funds. His expertise allows him to craft tailored solutions for clients with non-traditional income streams and diverse asset structures, ensuring their unique financial objectives are met.
Andrew is dedicated to providing exceptional service across time zones, ensuring both domestic and international clients receive the attention they deserve. His extensive network of professionals, including lawyers, tax advisers, buying agents and interior designers, enables him to address all client requirements seamlessly.
In his downtime, Andrew enjoys listening to motivational podcasts, traveling with his fiancée, playing golf, taking long walks with his Golden Retriever and watching his beloved Liverpool FC play at Anfield.
Tim Kemp
Co-founder
Tim is a co-founding partner of Panthera Finance LLP and the company’s principal.
He has 18 years’ extensive experience advising high and ultra-high net worth clients on high-value mortgages. Trusted by the UK’s top lenders, he connects clients with private banks for a holistic financial approach.
With a background as a financial planning consultant for expats in Singapore and many years as a mortgage broker in London, Tim provides mortgage advice in the context of a clients’ broader financial needs.
Tim enjoys spending time with his wife and son when not working and loves to travel and keep fit. He splits his time between London and Liverpool.
Jason Caprioli
Lending Director
Jason is a partner at Panthera Finance LLP and the company’s principal commercial specialist.
He focuses on securing development debt, long-term finance and equity for residential and commercial projects. With prior experience at major UK banks including Barclays and Coutts, as well as specialist start-ups, Jason excels in finding comprehensive finance solutions.
His close relationships with key lenders & funders and his attention to detail help to facilitate reliable funding decisions early in the process.
Jason is a keen athlete and has completed an Ironman and swum the English Channel. He regularly undertakes challenges to raise funds for both children’s and cancer non-profit organisations.
Our team are here to help
Our professional advisors would be delighted to speak with you and discuss your requirements.
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