Home / Expats in Spain
UK Mortgage Advisers & Brokers for Expats in Spain
UK mortgages for expats living in Spain
Living in Spain, working or retired, and looking to buy, remortgage or refinance UK property? We are specialist UK mortgage advisers and brokers helping Spain-based expats access UK lending.
- Income in euros (EUR) considered
- Purchases, remortgages and buy-to-let
- Handled remotely in your time zone
Why expats in Spain 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 Spain.
Euro income accepted
Many UK lenders accept income in euros, sometimes with a small adjustment for currency movements.
Working, self-employed or retired
Whether you are employed, self-employed or retired in Spain, we find lenders that accept your type of income, including pension and investment income where lenders allow it.
Keep or buy a UK property
Many British expats in Spain keep a UK property to let or buy one for family or future return. We arrange buy-to-let, remortgages and purchases remotely.
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 Spain.
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 Spain
Answers to the questions we are asked most often.
Can I get a UK mortgage if I live in Spain?
Yes. A number of UK lenders accept applicants living in Spain and elsewhere in Europe. Criteria vary by lender, particularly on income type and age.
I am retired in Spain. Can I still get a UK mortgage?
Possibly. Some lenders consider pension and investment income and lend into later life, subject to age limits and affordability.
Can I remortgage my UK home while living in Spain?
Yes. You can remortgage to a new rate, release equity or switch to buy-to-let if you are letting the property out.
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