UK Mortgage for Expat in Hong Kong

Whether you are a UK expat or British Overseas National, we can offer you tailored mortgage advice to suit your needs.

Specialist Mortgage Advice for Expats Based in Hong Kong

As market leading mortgage brokers, we are perfectly placed to provide individuals who reside in Hong Kong with expert mortgage advice.

With being based overseas, this creates a more complex financing scenario. However, there are plenty of mortgage lenders who are setup for such complexities, and depending on the case specifics, will have varying levels of appetite to lend.

We understand that it is crucial to procure a lender that can actually consider a case, as all lenders will have slightly differing criteria, and even a small nuance can make a big difference between an accept or reject. This is where our specialist experience and knowledge greatly helps, as we have a proven track record of securing mortgages for clients based in Hong Kong, as well as throughout the continent of Asia.

Can I purchase property in the UK from Hong Kong?

In short, yes you can. All cases are judged on their own merits, and the shortlisted lenders will be those that can accept Hong Kong as an individual’s residence.

Not only are there lending options to facilitate UK property purchases, whether that is for residential or investment use, but in equal measure there are lenders that can consider the remortgaging of existing owned UK property.

If you are looking to finance a property as a residential, buy to let, holiday let, or holiday home, then feel free to connect with us today for professional mortgage advice.

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Still Have Questions?

If you cannot find an answer you are seeking, then simply click the button below, or call us at 0208 125 3100, to get in touch with one of our mortgage brokers.

Depending on your circumstances you may have a wide selection of mortgage companies willing to offer you the mortgage you desire. With access to thousands of mortgage deals, our experts will find you the most suitable deal.

Yes, we have whole of market access. As we are an independent brokerage, and not tied directly to a group of lenders, we can access the full mortgage market. This exposure allows us to scour the market for the best lending arrangements for our clients.

Lenders can vary significantly in what they are willing to offer when assessing affordability. However, our team of expert advisors will thoroughly assess the market to ascertain your maximum borrowing potential, and will fully guide you along the way.

Our specialist lending proposition encompasses all aspects of mortgage broking. Our team of experts are true professionals in areas such as expatriates, foreign currency, high net worth individuals, large loans, and complex buy to let, just to name a few. This spectrum of expertise is what sets us apart.

I am a British National Overseas based in Hong Kong. Can I get a mortgage?

From a mortgage standpoint, lenders will typically view clients with a BNO passport as a foreign national when applying their respective criteria.

Whilst this differs from the risk lenders apply to clients who are British citizens that are currently resident in the UK, it doesn’t mean that the mortgage finance obtained isn’t equally as competitive. This is due to several high street lenders potentially available to consider the application, on a case-by-case basis.

Our connections with banks and building societies alike, allows us to expertly navigate the mortgage options available, following an initial conversation with our clients.

Get in touch

We understand that every circumstance is different, and having a bespoke touch is essential in understanding a case. This openminded approach is what creates a professional standard that we always uphold.

Our team of bridging loan specialists are available to discuss your individual requirements, so simply complete the contact form and we’ll be in touch shortly.

Here Is Just A Sample Of Our Reviews

As an expat of the UK, I was looking to remortgage my investment property situated in London. My broker at Pinnacle promptly found me a suitable lender, and an overall competitive deal.



Due to my complex employment situation and the time I spend outside the UK with work, I needed expert advice when arranging my mortgage. The team at Pinnacle duly provided this.


UK & Switzerland

We were looking to relocate back to the UK but had no idea where to begin. Our broker was immense at handling our enquiry and found us a great deal with a high street lender.

Elizabeth & Joel


I had an offer accepted on a holiday let in Scotland but was struggling to find a lender. I approached Pinnacle and they expertly found a mortgage solution that worked perfectly for me.



As a professional based in Dubai, I needed a specialist broker who could review my property portfolio. The results exceeded my expectations, and I would certainly recommend Pinnacle.



As Portuguese & French nationals residing in the UK, we were seeking a mortgage. We are both contracting, but none of this fazed our broker and they found us a mortgage that is perfect for us.

Joao & Anna