FCA-authorised UK expat advice · Whole-of-market panel · Introducer partners in Spain, France, Portugal, Dubai, USA
FCA-authorised UK expat advice · Introducer for Spain, France, Portugal, Dubai, USA
One team, both sides of your move. FCA-authorised UK expat mortgage advice plus specialist introductions to trusted in-country partner brokers in five priority overseas markets. Named consultant from enquiry to completion.
Trading style of Compare The Mortgage Limited (13544357). Appointed Representative of Connect IFA Limited (441505). Overseas mortgages not regulated by the FCA.
Regulatory transparency, up front
Buy-to-let, residential, remortgage, returning expat. FCA-authorised advice from a named UK specialist. Whole-of-market panel including Skipton International, HSBC Expat, Barclays Wealth, NatWest International.
Expat mortgagesIntroduction to a specialist in-country partner broker in Spain, France, Portugal, Dubai or the USA. Not FCA-regulated advice; the in-country partner holds the licensing. We handle the UK-side handover.
Overseas mortgagesOverseas property markets
For property in Spain, France, Portugal, Dubai or the USA we introduce you to a specialist mortgage broker in-country. Each market carries the FCA carve-out. Rates, deposits and process differ by country; the country page for each market spells the numbers out.
Non-resident mortgages via a specialist Spanish partner. Costa del Sol, Balearics, mainland.
Read country guideNon-resident mortgages via a specialist French partner. Notaire process, EUR-denominated.
Read country guideNon-resident mortgages via a specialist Portuguese partner. NIF required, Algarve or Lisbon.
Read country guideNon-resident mortgages via a specialist UAE partner. Freehold zones only, DLD 4% fee.
Read country guideForeign national mortgages via a specialist US partner. FIRPTA considerations flagged.
Read country guideAnother country? Message us. We work with introducer partners in adjacent markets on a case-by-case basis, and we will not commit to a country page until an in-country agreement is signed.
How we work
Track A
Ashley moved a Dubai-based landlord off a rolling product-transfer floor onto a five-year fixed with a UK expat specialist lender. AED income accepted at haircut ratio. Completed in 42 days.
See expat BTL ›Track B
Sheila introduced a Surrey-based buyer to our Spanish partner broker. 65% LTV, EUR-denominated, Euribor plus margin. Notario process managed in-country; UK-side handover from Kelly.
See Spain overseas ›Track A
Kelly progressed a US-to-UK returning expat through the two-lender problem (not-yet-resident on application, resident by completion). 30% deposit, five-year fixed residential, regulated advice.
See returning expat ›We arrange UK mortgages for British expats in approximately 120 countries of residence, subject to lender panel and sanctions. Highest-volume markets: UAE, USA, Australia, Singapore, Hong Kong, EU. If your country is not on the standard list, message us and we will check the panel for you. We do not guarantee approval; every case runs through full underwriting.
UK mortgages arranged for British expats (buy-to-let, residential, remortgage, returning expat) are FCA-authorised advice. Compare The Mortgage Limited is an Appointed Representative of Connect IFA Limited (441505). FCA reference 966902. Overseas mortgages, secured on property outside the UK, are not regulated by the FCA. For those we introduce you to a specialist in-country partner broker who holds the local licensing.
Standard UK expat cases carry no broker fee: we are paid commission by the lender at completion. Overseas introducer cases carry a partner-side referral commission which is disclosed to you before you decide to proceed. Complex UK cases (adverse credit, restricted country of residence, unusual income structure) may carry an advice fee; the amount is confirmed in writing before you decide.
Same-day response Monday to Friday UK time on email and phone. WhatsApp is answered same day in any time zone. Straightforward UK expat cases reach Decision in Principle within two to five business days. Overseas introductions are made same day to the in-country partner; local timelines then apply.
Talk to a specialist
Same-day response Monday to Friday UK time. WhatsApp answered any time zone. Named consultant from enquiry to completion. No guaranteed approvals; every case runs through full underwriting or full local in-country review.