Getting a UK Mortgage as a British Expat or American
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Getting a UK Mortgage as a British Expat or American

  • Writer: The Cedar Crest Team
    The Cedar Crest Team
  • Sep 15
  • 3 min read

What you need to know to secure a UK mortgage as an expat or US citizen.


Have you ever dreamed of owning a classic townhouse in London, a cozy cottage in the Cotswolds, or a sleek city flat for investment? Whether you're a British expat longing to return home or an American buyer eager to step into the UK property market, the dream is closer than you think.


At Cedar Crest, we specialise in UK mortgage solutions tailored specifically for British expats and American residents. Navigating overseas mortgages may seem complicated, but with the right guidance, it becomes a seamless journey - from first inquiry to moving-in day.


A PERSONAL AND GLOBAL APPROACH TO UK MORTGAGES


Many lenders shy away from foreign income or international clients. We provide direct access to UK lenders and a deep understanding of the complexities of cross-border finance.

FOR BRITISH EXPATS: COMING HOME MADE EASY


Returning to the UK can be an emotional and logistical whirlwind. You're juggling job relocations, schools for the kids, and finding the perfect home - all while trying to qualify for a mortgage back in your home country.


Cedar Crest understands these unique challenges and offers:


  • Access to UK mortgage products designed for expats

  • Lenders who accept foreign income and overseas tax returns

  • Guidance on UK credit history, deposit requirements, and timelines


Whether you're returning for work, family, retirement, or simply to reconnect with your roots, we'll help you find a mortgage that feels like home.

FOR AMERICANS: INVESTING IN THE UK PROPERTY MARKET


For Americans exploring UK property - whether for personal use, a vacation home, or a long-term investment - the process can feel daunting. The UK property market operates differently from the U.S., and financial approval requires an understanding of both systems.


At Cedar Crest, we simplify the process for American buyers by:

  • Helping you qualify for UK mortgages using U.S. income and assets

  • Providing transparent advice on UK property taxes and legal requirements

  • Connecting you with experienced UK-based solicitors and estate agents


From a pied-à-terre in London to a rental property in Manchester, we help American clients invest confidently in the UK.

WHY CHOOSE CEDAR CREST?


1. Expertise in Cross-Border Mortgages

We specialise in handling cases where income, assets, or residency are outside the UK. Unlike high-street banks, we're not constrained by standard lending boxes - we tailor solutions to fit international clients.


2. Access to Specialist Lenders

Through partners we can tap into exclusive mortgage products not available on comparison sites or through traditional brokers. Many of these lenders understand expat and foreign-national situations and offer competitive rates.


3. End-to-End Support

From pre-approval to property completion, we offer a fully managed service. You'll never feel left in the dark - we walk with you every step of the way.


4. Tailored Solutions

Whether you're buying a buy-to-let flat in Shoreditch or a countryside escape in the Lake District, we match the mortgage to your lifestyle, plans, and long-term goals.


5.FCA-regulated and trusted

Unlike most mortgage brokers operating in the U.S., Cedar Crest is authorised and regulated by the UK Financial Conduct Authority (FCA). This means you benefit from the same high standards of protection and compliance as if you were in the UK.

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COMMON SCENARIOS WE HANDLE


  • British expats in the U.S. looking to purchase or remortgage in the UK

  • Americans buying second homes or investment properties in the UK

  • Expats planning for retirement in the UK

  • Parents purchasing UK properties for children attending British universities

  • Dual nationals navigating credit and tax implications across borders

READY TO START YOUR JOURNEY?


The dream of owning property in the UK isn’t reserved for residents. With the right partner, your goals are absolutely within reach. Our mortgage advisers are here to simplify the process, answer your questions, and turn complex mortgage paperwork into a smooth experience.


We work with clients across the United States and globally, and we’re passionate about helping you reconnect with - or invest in - the UK.

LET'S MAKE IT HAPPEN


Don’t let geography stand in the way of your UK property goals. Whether you're looking to come home, build wealth abroad, or create a legacy for your family, Cedar Crest makes UK homeownership accessible from anywhere in the world.


Your UK home is closer than you think. Let’s get started today.





Cedar Crest Ltd – telephone UK T: +44 (0) 203 883 1017,

UK (For Cantonese and Mandarin enquiries):

+44 (0) 7888 431091 

+44 (0) 7724 344788 

HK T: +852 6645 4462 

SINGAPORE: +65 8363 9221

– email info@cedar-crest.co.uk 


Your home may be repossessed if you do not keep up with repayments.


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