Expats & Foreign Currency Income
Buying a UK home while living abroad — or earning in another currency
Overview
UK nationals living overseas often want a home in the UK — to return to, to be near family, or as a base. And whether you live abroad or here, being paid in a foreign currency changes how lenders look at your income. Fewer lenders cover these cases and their rules vary widely, so knowing where to go first really matters.
UK Nationals Living Overseas
Buying a UK home while you're still working abroad — whether you're planning to move back or want a base here
Income in a Foreign Currency
Lenders often reduce foreign currency income by a set percentage to allow for exchange-rate movements, and some only accept certain currencies
Country of Residence & Employment
Where you live and who you work for both affect which lenders will consider you, and on what terms
UK Residents Paid Overseas
Living here but paid in euros, dollars or another currency? The same lender rules apply — and so does our experience of them
Why Choose Domus Finance?
Right Lender First Time
We know which lenders accept your country, currency and type of employment, so your application goes to the right place
Realistic Expectations
We'll tell you how your income is likely to be assessed, and what evidence lenders will want from overseas
Investing Rather Than Buying a Home?
Expat and overseas Buy to Let has its own page, lenders and tax points — see Expat & Overseas Buy to Let
Whole of Market Access
We search thousands of mortgage products to find the best rates and terms for you.
FCA Regulated
Fully authorized and regulated by the Financial Conduct Authority.
The Mortgage Process
Initial Consultation
We'll discuss your needs, circumstances, and financial goals to understand what you're looking for.
Research & Comparison
We'll search the entire market to find the best mortgage products that match your requirements.
Application Submission
Once you're happy with our recommendation, we'll handle the application process on your behalf.
Completion
We'll keep you updated throughout and celebrate with you when your mortgage completes.
Ready to Get Started?
Speak with one of our mortgage experts today for a free, no-obligation consultation.