Money
Mortgages when you live or earn abroad
Buying where you don't live, or earning in another currency, narrows the lenders available — but it's common and very doable.
Buying in the UK from abroad
Specialist lenders accept non-residents and expats, usually with larger deposits (often 25%+) and proof of income. Income in a foreign currency may be discounted by the lender.
Buying in Spain, Italy, Portugal, France or Germany
Local banks lend to non-residents, typically up to 60–70% of value. You'll need a local tax number (NIE, the foreigner's tax number, in Spain, codice fiscale in Italy, NIF in Portugal) and often a local bank account.
Self-employed and remote workers
Expect to show two to three years of accounts or tax returns. Consistent income matters more than where the client is.
Currency risk
If you earn in one currency and borrow in another, repayments move with exchange rates. Many buyers fix the rate for the deposit transfer.
Getting advice
Use a broker regulated in the country of the property, or a UK broker authorised by the Financial Conduct Authority for UK homes. Always check registration before sharing documents.
General information only, not financial advice. Rules and lender criteria change; confirm with a regulated adviser.