UK Mortgage for Expat in USA

At Pinnacle, our team of expert mortgage advisors have the experience to help UK expats living in the US to obtain a suitable mortgage. Turn to us to broker a perfect deal from a reputable lender.

UK Mortgage Advice for Expats in the US

People who live and work in the United States can find it harder than others to obtain a UK mortgage for a property in Great Britain, even if they remain UK citizens. Expatriates who have settled in America may find that the mortgage market in the UK is not as widespread as it would be if they had continued residency status at home.

This is when you need specialist mortgage skills with access to all parts of the UK mortgage lending market. Helpfully, this is exactly what we offer UK citizens who currently reside in the US. We will be able to scour the market for a suitable deal for the sort of mortgage you want, even if you live in the USA, and even have dollar earnings to take into consideration rather than sterling.

What Makes Our Mortgage Service Different?

We are specialists in the UK expatriate mortgage market and deal with people who live in all corners of the globe, not just the United States, to obtain appropriate mortgages in the UK. So, whether you are officially a resident of the US but travel around the world for work or have lived in America itself for many years, we will help you to secure a mortgage from a British lender.

Note that the UK mortgage industry is regulated in such a way that some lenders are put off dealing with US-based expatriates, even those with close ties to the UK who may already own assets here. That’s why it is important to deal with experts in this part of the mortgage market. As a specialist lending broker with unparalleled know-how in expatriate mortgages, there is no finer team of advisors you could turn to.

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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.

How much can I borrow if I currently live in the USA?

Theoretically, UK mortgage providers will lend up to five to six times an applicant’s annual salary. However, this can come down somewhat depending on other factors, such as financial dependents, deposit size, the length of the mortgage term and so on. As someone who currently lives in the USA, UK mortgage lenders will look at all aspects of affordability when deeming a mortgage feasible or not. It is our job to navigate the market to obtain a suitable lending proposal, and we have a proven track record of delivering successful outcomes for our clients.

What will help my UK mortgage approval as a US-based expat?

Simply put, allowing us to structure your case by working with us in obtaining relevant documents, such as proof of identification, income, and expenditure. Due to our experience and access to lenders, we have a great understanding of underwriting process, which helps immensely when building and subsequently presenting your case to a lender.

British buy-to-let mortgages for expatriates in the United States

Many of the expatriate mortgages we arrange for British people in the US are for a home they want to return to the UK to live in. If you’d prefer a buy-to-let mortgage instead, then please note that we can also offer our expertise in this area of mortgage brokering, as we provide advice for both residential and investment property needs.

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