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Expat mortgages

If you’re a UK expat looking to buy property in the UK, we have a range of mortgages designed to meet your needs. Our international mortgage experts can help if you’re interested in:

  • Buying a home for the future
  • Purchasing an investment property, or
  • Releasing equity from an existing property.

Plus we can help you with the associated financial planning to help you manage your wealth.

Tax implications

Before you move forward, it is worth considering your UK tax status and the implications of buying property in the UK. At Barclays, we don’t provide tax advice, but if you don’t have your own tax adviser we can introduce you to Ernst & Young, a leading financial services firm.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

For more information or to apply

Call us on +44 (0)1624 684305†

International mortgage service

Our expert international mortgage advisers can give you a free consultation to help you understand your mortgage options. They will:

  • Take you through the property-buying process
  • Help you choose the best mortgage for you
  • Explain the different mortgage repayment options and work out how much you can afford to borrow
  • Help you complete the paperwork and guide you through our application process.

UK mortgage illustration

If you are looking to invest in property in the UK, we can provide you with a competitive UK mortgage illustration1. We offer specialist expertise and a range of mortgage options that are tailored to the needs of expat clients:

  • Fixed rate mortgages
    Know in advance how much you’ll pay each month.
  • Tracker mortgages
     Get flexibility and an interest rate that moves in line with the Barclays Bank Base Rate.
  • Mix & Match mortgages
     Our very flexible Mix & Match mortgage lets you choose a combination of part fixed rate and part tracker so you can enjoy the best of both worlds.
  • Investment mortgages
     If you’re thinking of an investment property, find out how this tailored mortgage could work for you.
  • Currency mortgages
    Borrow in a choice of currencies other than sterling, it could be more convenient for you to borrow in the same currency that your salary is paid in.
  • Repayment options
    Choose the method that best suits your circumstances and priorities.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

If your loan is denominated in a currency other than sterling CHANGES IN THE EXCHANGE RATE MAY INCREASE THE STERLING EQUIVALENT OF YOUR DEBT.

For more information or to apply

Call us on +44 (0)1624 684305†

Terms and conditions apply to all mortgage products. We strongly recommend that you obtain your own independent tax advice before proceeding with an offshore mortgage.

Barclays will require a first legal charge over the property.

As a responsible lender, we only want you to borrow what you can afford, and in a way that is best for you. When considering your application, your financial circumstances will be assessed before we make a decision to lend money. And remember, if you should run into any financial difficulties, please contact us as soon as you become aware of them.

In all forms of advertising and marketing material where repayments are quoted, we will show clearly a typical Annual Percentage Rate (APR). We will also clearly indicate in all lending-related advertising issued in Jersey that we abide by the Code of Practice for Consumer Lending.

1 Subject to status and Terms and Conditions.

The products and services described on this page are provided by the following companies which are part of Barclays, Barclays Bank PLC in England and Wales and Barclays Private Clients International Limited in the Isle of Man, Jersey and Guernsey. For further information on these companies and Barclays please read the Important Information.