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UK Mortgage Advisers & Brokers for Expats in South Africa
UK mortgages for expats living in South Africa
Living in South Africa and looking to buy, remortgage or refinance property in the UK? We are specialist UK mortgage advisers and brokers helping South Africa residents access UK lending.
- Income in rand (ZAR) considered
- Purchases, remortgages and buy-to-let
- Handled remotely in your time zone
Why expats in South Africa use a specialist broker
Many UK high street lenders decline applicants living overseas or offer them only limited products. We search the wider market, including specialist and private banks, to find lenders that accept residents of South Africa.
Rand income and currency risk
Fewer UK lenders accept income in rand, and those that do often allow for currency movements. We know which lenders will consider you.
Plan your deposit early
South African exchange control rules can apply when moving funds offshore, so we recommend planning your deposit transfer early and taking local advice.
British and South African citizens
Whether you are a British citizen living in South Africa or a South African national investing in the UK, we match you to lenders that fit.
What we can help with
Buying a UK home or investment property, remortgaging to a better rate, releasing equity, switching a former home to buy-to-let, or buying through a UK limited company. All arranged remotely while you live in South Africa.
How it works
A straightforward process from first conversation to completion.
Initial consultation
A free call to understand your plans, residency, income and the property.
Market research
We identify suitable lenders and explain the options, costs and trade-offs.
Decision in Principle
We obtain a Decision in Principle (DIP) from the lender, usually within 24 to 48 hours, so you know where you stand.
Application
We prepare and submit your application and manage the lender on your behalf.
Offer to completion
We liaise with solicitors and valuers until your mortgage completes.
UK mortgage questions from expats in South Africa
Answers to the questions we are asked most often.
Can I get a UK mortgage if I live in South Africa?
Yes, although the choice of lenders is narrower than for some other countries. A specialist broker helps you go straight to lenders that accept South Africa residents.
Will lenders accept my income in rand?
Some specialist lenders accept ZAR income, usually with an allowance for exchange rate movements. Income in sterling, US dollars or euros can widen your options.
Can I buy a UK buy-to-let from South Africa?
Yes. Many South Africa residents buy UK property as an investment, either in their own name or through a UK limited company.
How much deposit will I need?
For expats and foreign nationals, lenders usually require a deposit of between 25% and 30% of the purchase price, depending on the lender, your residency, income and the type of property.
Speak to a UK expat mortgage adviser
Tell us a little about what you are looking to do and we will be in touch to arrange a free, no-obligation consultation.
Email: john.florey@opesfp.com