UK Mortgage Advice For Offshore Workers

Providing expert mortgage advice for individuals who are based overseas and working offshore.

Helping Offshore Workers Find A Suitable Mortgage

In the UK there is a relatively small proportion of lenders that can consider lending to offshore workers, although there are a number of high street banks that lend within this niche area.

Key components of determining the most suitable option will cover areas such as how the income is made up, is the income received in a foreign currency, how often is the individual overseas, and what is their typical working schedule. From these factors we’ll decipher which lenders can consider the case, and subsequently present our thorough mortgage findings.

Who Is Classed As An Offshore Worker?

Generally, an offshore worker will be someone that is working on an oilrig, or a seafarer. The way lenders approach these clients is similar to how they’d consider an individual who works overseas, whether that be at sea or on land.

Through some select questions we’ll guide on whether a lender would deem you an overseas worker or an expatriate, as this ultimately takes the case in a certain path due to lenders distinctly viewing each scenario in a different way.

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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 Do I Obtain A Mortgage As An Offshore Worker?

In essence, applying for a mortgage has the same principles as applying for any conventional mortgage, however what is paramount is to position the case with the chosen lender, accompanied with extensive and detailed notes. These notes form the rationale as to why the case should be acceptable, and if done correctly, increases the overall chance of acceptance.

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