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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.

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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.

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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.

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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.

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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.

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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.

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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.

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Meet our dedicated team

Meet our advisors who specialise in sourcing mortgages for expatriates.

Alex Weldon

Associate Director

Dan Gracie

Specialist Lending Director

Anthony Farren

Senior Mortgage & Protection Advisor

Andrew Chalton

Private Client Director

Tim Kemp

Co-founder

Jason Caprioli

Lending Director

All other services.

Working with a trusted financial adviser will help give you confidence that you're making informed decisions and building a financial plan that’s as individual as you are.

Our team are here to help

Our professional advisors would be delighted to speak with you and discuss your requirements.

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What our clients say!

Our clients trust us to guide them through some of their greatest financial decisions.

“The team at Panthera Finance have provided an outstanding service, going the extra mile with attention to detail to secure a bespoke mortgage product. I would commend Panthera to all those seeking tailored financial products unavailable on the high street or through non-specialist agents.”
Tom G.
“It’s a pleasure working with Tim, Dan and the team at Panthera. The way they use their knowledge and experience of what can be very complicated situations to structure and shape cases is always impressive and has helped build a strong and trusting relationship with us as a mortgage lender.”
A.S.
“The support and service from Anthony and Rhiannon has been superb - especially your patience while we were on hols and things. I think this is now the 3rd time Panthera has assisted us and we have been impressed every time, you will be our first choice every time.”
Ben R.
“Dan and Rhiannon are your perfect finance team. I have worked with them for many years now and I am in awe of their professionalism, comprehensiveness and thoroughly managing deal flow every time. I trust Dan to source and manage the best possible deals for me in the marketplace; noting he has many senior banking connections to call upon, when deals can appear to be outside of the box, as they frequently do in today’s market.”
J.D.
“After some issues with other providers Panthera came through with a great service. Always great to work with professionals, and would certainly recommend their services.”
Brian M.
“We are so thankful we were referred to Dan and the Panthera team for our mortgage process. Our plans to purchase a home in the UK moved a little quicker than we planned, but Dan's knowledge and support made the process smooth and effortless for us. Dan and Rhiannon had the best communication and provided updates quickly for our mortgage to be approved as soon as possible. We are so grateful for Panthera Finance and look forward to our new home!!”
Jason & Haley S.
“Working with Anthony at Panthera on mortgaging and remortgaging several times on property has always been seamless. Deeply knowledgeable, he listens to what I need and works extremely hard and quickly to get the right product. ”
F.L.