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Specialist Broker for British Expats & UK Residents mortgaging UK Property

Specialist Broker for British Expats & UK Residents mortgaging UK PropertySpecialist Broker for British Expats & UK Residents mortgaging UK PropertySpecialist Broker for British Expats & UK Residents mortgaging UK Property

Expert independent mortgage advice for British Expats and UK Residents buying, refinancing or investing in UK property. 

Get in touch about your mortgage needs
Visit our advice centre for Expat Mortgage guides, tips and FAQs

Specialist Broker for British Expats & UK Residents mortgaging UK Property

Specialist Broker for British Expats & UK Residents mortgaging UK PropertySpecialist Broker for British Expats & UK Residents mortgaging UK PropertySpecialist Broker for British Expats & UK Residents mortgaging UK Property

Expert independent mortgage advice for British Expats and UK Residents buying, refinancing or investing in UK property. 

Get in touch about your mortgage needs
Visit our advice centre for Expat Mortgage guides, tips and FAQs

  

🛡️ FCA Regulated


🏠 Independent Whole-of-Market Advice


🌍 UK Expat Mortgage Specialists


❤️ Personal Service


✈️ Helping British Expats Worldwide

Giraffe Private Finance limited is authorised and regulated by the                            Financial Conduct Authority.

Why British Expats & UK Residents Choose Us

Specialist Knowledge

Mortgage advice designed specifically for British Citizens living overseas or in the UK. 

Personal Service

You'll deal directly with Kathryn from your first enquiry through to completion and beyond!

Independent Advice

Acces to a wide range of UK lenders.

Over 11 Years' Experience

Helping clients navigate complex lending criteria with confidence.

Meet Kathryn

Kathryn Turner is the founder of Giraffe Private Finance and a specialist adviser helping British expats and residents secure mortgages for UK property.

Before entering financial services, Kathryn enjoyed a successful career in the FMCG sector, working for leading global businesses including Procter & Gamble.


Following the birth of her second child, she retrained, gaining her DipFA & Cert CII (MP) qualifications before specialising in British Expat Mortgages. Over the past 11 years, she has built a reputation for finding solutions to complex expat mortgage cases, combining technical expertise with honest advice and exceptional personal service.


Known for her diligence, responsiveness and straightforward approach, Kathryn guides every client from their initial enquiry through to completion, making the mortgage process as smooth and stress-free as possible.

More About Kathryn

Kathryn's Areas of Expertise

British Expat Mortgage

British Expat Buy to Let

British Expat Buy to Let

More about Expat Mortgages

British Expat Buy to Let

British Expat Buy to Let

British Expat Buy to Let

More About UK Expat Buy To Lets

British Expat Remortgages

British Expat Buy to Let

More About Expat ReMortgages

UK Resident Mortgages

UK Resident Financial Protection

More About Mortgages for Uk residents

UK Resident Financial Protection

UK Resident Financial Protection

UK Resident Financial Protection

More About Financial protection for uk residents

Expat Advice Centre Guides & Tips

Complete Guide to UK Mortgages for British Expats

Returning to the UK – Securing a Mortgage Before You Move Back

Returning to the UK – Securing a Mortgage Before You Move Back

 Understand how getting a UK mortgage works when you live overseas, from eligibility and affordability to deposits, documentation and lender criteria. A useful starting point for British expats considering buying or refinancing UK property. 

Read our Expat Mortgage guides

Returning to the UK – Securing a Mortgage Before You Move Back

Returning to the UK – Securing a Mortgage Before You Move Back

Returning to the UK – Securing a Mortgage Before You Move Back

 Planning your return to the UK? Find out how your overseas income, employment and residency can affect your mortgage options, and why it can be worth understanding your borrowing position before you move back. 


READ OUR GUIDE FOR EXPATS RETURNING TO THE UK

Remortgaging a UK Property While Living Abroad

Returning to the UK – Securing a Mortgage Before You Move Back

Remortgaging a UK Property While Living Abroad

 Already own property in the UK? Discover what to consider when your mortgage deal is coming to an end, including lender criteria, affordability, income from overseas and the practicalities of remortgaging as an expat. 


READ OUR EXPAT REMORTGAGING GUIDE

Typical Expat Client Journey

Read more of our Guides & visit our Advice Centre

Remortgaging a UK Property While Living Abroad

 From the initial assessment through to mortgage offer and completion, this guide explains the key stages of arranging a UK mortgage while living overseas and what you can expect along the way. 


Typical Expat Client Journey GUIDE

Deposit Requirements for Expat Mortgages

Read more of our Guides & visit our Advice Centre

Read more of our Guides & visit our Advice Centre

 How much deposit do you need for a UK mortgage when you live abroad? Explore the factors that can influence deposit requirements, including your circumstances, property and the lender's criteria. 


READ OUR EXPAT MORTGAGE DEPOSIT GUIDE

Read more of our Guides & visit our Advice Centre

Read more of our Guides & visit our Advice Centre

Read more of our Guides & visit our Advice Centre

 Have another question about UK mortgages as a British expat? Explore our Advice Centre for practical guides covering mortgages, remortgaging, deposits, affordability and other questions you may have when borrowing against UK property. 

Access the UK EXPAT advice centre

 This information is a guide only and should not be relied on as a recommendation or advice that any particular mortgage is suitable for you. All mortgages are subject to the applicant(s) 

meeting the eligibility criteria of lenders. Make an appointment to receive mortgage advice suitable for your needs and circumstances. 


We offer advice on mortgages and non-investment insurance with other services referred to a third party.

Frequently Asked Questions

Please reach us at kathryn@giraffeprivatefinance.com if you cannot find an answer to your question.

Yes. Many UK lenders offer mortgages to British expats living abroad. Whether you’re buying a home, remortgaging or investing in a buy-to-let property, we can help you find lenders that understand your circumstances.


Most expat mortgages require a deposit of between 20% and 35%, although this varies depending on the lender, your country of residence and your financial situation. We’ll help you find the most suitable options.


We work with British expats living in many countries worldwide, including France, Spain, the UAE, Singapore, Hong Kong, Australia, the USA and many more. If you’re unsure whether we can help, just get in touch.


Absolutely. Many lenders will consider self-employed expats, although the application process can be more detailed. We have experience helping business owners, contractors and freelancers secure competitive UK mortgages.


No. In most cases, you can arrange your UK expat mortgage entirely from overseas. Most applications, documents and signatures can be completed remotely, making the process straightforward wherever you live.


 

Yes. If you move overseas for work or personal reasons and decide to rent out your UK home rather than sell it, you may become what is known as an accidental landlord.

If you have an existing residential mortgage, you will usually need your lender's permission before renting out the property. Some lenders may grant consent to let, while others may require you to switch to a buy-to-let mortgage. Your options will depend on your lender's criteria, rental income, financial circumstances and how long you intend to live abroad.

As a British expat, you may also need to consider your UK tax obligations, landlord responsibilities and appropriate property insurance.

Giraffe Private Finance can help you explore your mortgage options, whether you need consent to let, an expat buy-to-let mortgage or a remortgage of your existing UK property. Kathryn can assess your individual circumstances and guide you towards a suitable mortgage solution.


Some of the happy customers we have helped

The Expat Mortgage Journal

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Ready to start your mortgage journey?

Send Kathryn a note or an email, with some background information, and she'll be back in touch.

Send a note on WhatsApp

Lets talk, no forms, no pressure.

kathryn@giraffeprivatefinance.com

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YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. 

 

  We offer advice on mortgages and non-investment insurance with other services referred to a third party.


Giraffe Private Finance limited is authorised and regulated by the Financial Conduct Authority.


 This firm offers a free consultation and will usually charge a fee for mortgage advice if you decide to proceed with a mortgage application.  The amount of the fee will depend on your circumstances and will be discussed and agreed with you at the earliest opportunity 

Copyright © 2021 Giraffe Private Finance - All Rights Reserved.


Giraffe Private Finance limited is a company registered in England and Wales.  Registration number:  12063870.  Registered office address:  The Racquets Court, 3 College Street, Newcastle Upon Tyne, England, NE1 8JG.

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