Mortgage Advice for Expats in New Zealand

If you are looking for expert mortgage advice as a UK expat based in New Zealand, then we have the expertise needed to secure you a suitable deal.

UK Mortgage Advisors for Expats in New Zealand

If you are a UK expat living in New Zealand, then accessing the British mortgage market isn’t as straightforward as you might think. Numerous lenders will not consider applications for mortgages against British properties if they come from overseas clients, irrespective of ties to the UK. This is where our specialist team of advisors can be so useful.

We cover the entire mortgage market and can save time and effort tracking down a suitable mortgage arrangement for UK expats living in New Zealand. We’ll tailor our advice so that you are able to buy or remortgage a property in the UK.

Helping expatriates in NZ with expert mortgage advice.

To put it simply, we are specialists in all aspects of mortgages for clients who are based overseas. For British people who currently work in New Zealand, or who simply reside there, our brokerage offers the opportunity to access the entire UK mortgage market.

What’s more, our know-how in the industry also means you are more likely to obtain the sort of mortgage deal you want as a UK expat based in New Zealand. Perhaps you are self-employed or earn in more than one currency, for instance? Whatever the particulars of your financial circumstances may be, we’ll take them into account while finding a suitable lender for your borrowing needs.

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Why not just give us a call?

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.

How much am I allowed to borrow in the UK if I currently live in New Zealand?

Somewhere between three and six times the annual household income of applicants is usual in the UK in terms of mortgage borrowing limits, although this is very much dependent on whether the property is being used as a second home or investment property. We’ll help you to find a UK mortgage deal that meets your requirements and allows you to borrow a sufficient sum for the sort of property you’d like to purchase or remortgage in the British Isles.

Tips for making your mortgage application successful as a UK expat in New Zealand

Whilst we will guide you fully through the mortgage process as your dedicated broker, having access to any requested documents is key, such as proof of identification, income, and bank statements. We will closely work with the lender throughout the underwriting phase, and in turn will assist you through every step until your mortgage completes.

Does Pinnacle Finance broker buy-to-let mortgages in the UK for New Zealand-based expats?

Yes, we offer access to the buy-to-let mortgage market in the UK even if you are currently an expat resident of New Zealand. As a comprehensive brokerage, we provide mortgage advice on all manner of financing scenario, so whether you are buying a new property or looking to remortgage one you already own, then we can help.

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