UK Mortgage for Expat in Spain

If you are a UK expat living in Spain and require mortgage advice regarding a UK property, then contact us today for expert mortgage advice.

Mortgage Advice for Expats Who Are Looking to Buy or Remortgage a UK Property

When based overseas, obtaining a mortgage isn’t as straightforward compared to raising finance for UK based individuals. That said, there are several lenders who operate in this mortgage space.

We have years of experience advising UK expatriates who are resident in Spain, to acquire a mortgage on a UK based property. Our scope of service and expertise allows us to navigate the mortgage market to extract those lenders that can consider lending to individuals located in Spain.

Is it Possible to Remortgage a UK property?

In short, yes. What is crucial is to secure a lender that can consider UK expats who are resident within the EU, as most lenders in this catchment can then subsequently consider Spain.

A lender will consider certain aspects of the case to determine if they can lend or not, such as items like property location, type, and value, as well as your income level, employment status, and credit worthiness.

You’ll find that even the smallest nuance can change the direction of the case, and ensuing comprehensive research is carried out prior to any application being created, is key.

If you are looking to remortgage a UK property or purchase a new property within the UK, then contact us today to find out how we can help you.

Mortgage Broker Essex

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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.

Has Brexit Impacted the Mortgage Market for Expats Based in Spain?

The impact of Brexit certainly has changed opinion with lenders in general, with some lenders taking steps to no longer consider individuals who are based within the EU, or in some case excluding some countries but not all.

Whereas there are a number of lenders who have tailored a lending proposition for clients based overseas, inclusive of those based within the EU. 

At this time there are a relatively wide range of mortgage types available, covering areas such as residential, buy to let, holiday let, and second residence / holiday home.

If you would like to discuss your scenario with us, then connect with us today to speak with one of our specialist lending mortgage brokers.

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