Carmarthen-based – Helping Expats Secure UK Mortgages Nationwide
UK Mortgages for Expats – Specialist Advice & Fast Approvals
Secure a UK mortgage even with foreign income, no UK credit history, or non-resident status
Find Out What You Can Borrow Now!
✔ Confidential | ✔ No Obligation | ✔ FCA Registered
Higher income multiples for professionals
6.5x income for professional customers
Foreign Income
No UK Credit History? No Problem
Quick approvals for non-residents — no UK credit history needed
Trusted by Expats Worldwide
Trusted reviews from expats and international buyers who rely on expert UK mortgage advice from abroad
See how much more you could borrow – book your complimentary mortgage review today
Getting Approved for a UK Mortgage With Foreign Income
Many Expats Miss Out on Better Rates Due to:
Getting a UK mortgage with foreign income can be challenging through high-street banks, as many will not accept earnings in overseas currencies.
I work with over 170 lenders and can secure foreign income mortgages in:
AED – United Arab Emirates Dirham
QAR – Qatari Riyal
SAR – Saudi Riyal
KWD – Kuwaiti Dinar
BHD – Bahraini Dinar
OMR – Omani Rial
With my support, expats benefit from rapid approvals, enhanced borrowing up to 6.5x income, improved rates, and a hassle-free journey.
Struggling to Get Approved from Abroad?
Expats often face unnecessary roadblocks when applying for a UK mortgage:
✅ Strict criteria and outdated processes mean approvals can take months – or never come at all.
✅ Missed opportunities arise when the right property slips away while waiting for approval.
✅ Even strong earners are turned away, simply because their salary isn’t paid in GBP.
✅ UK banks often reject foreign income, leaving expats frustrated and stuck.
I specialise in removing these barriers, connecting you directly with lenders who understand expats and accept foreign income.
Many Expats choose to use a UK limited company (SPV) structure when investing in buy-to-let property
Are you an expat looking to invest through a limited company? I’ve got a dedicated guide for you.
How I Help Expats Secure the Right UK Mortgage
🌐 Stronger Applications Through Expert Lender Positioning
I position your case clearly for lenders who understand expat and international income structures.
📊 Support Tailored to Your Income and Assets
Whether you’re paid in foreign currency, dividends, or through a company, I structure your case around what lenders actually want to see.
📁 Full Guidance with Document & ID Verification
From payslips and residency proof to bank statements – I walk you through every document required to keep things stress-free and compliant.
🌍 Trusted Experience Across UAE, Qatar, Saudi Arabia & Beyond
With decades of experience working abroad, I understand the financial landscapes of the GCC and how they affect your UK mortgage journey.
Why Expats Work With Me
Direct access to personal one-to-one expert advice
Hi, I'm Lyndsey!
I’m Lyndsey Rowe – an independent UK mortgage broker with over 30 years of financial services experience, including many years as an Independent Financial Adviser (IFA).
I also spent more than 20 years living and working abroad as an expat in Dubai, Cyprus, and Thailand, managing clients’ finances across international markets. Having been an expat myself, I understand first-hand the hurdles you face – from proving foreign income and navigating exchange rates to securing a UK mortgage without local credit history.
That experience means I don’t just understand the process – I’ve lived it and bring both technical expertise and practical insight to every case.
Personal service tailored to expats and international clients
Access to 170+ lenders, including expat mortgage specialists
Fast turnaround and honest feedback – no guesswork
- Direct access to me – no teams or call centres
My mission?
Making UK mortgages simple for expats
Struggling to get a UK mortgage from abroad?
Learn how to overcome lender restrictions, borrow more, and secure faster approvals with my expert expat mortgage guide.
Real Success Stories From Expats Like You
🏡Case Study 1: Saudi-Based Oil & Gas Executive
👩💼 Client Profile:
A senior oil and gas executive working on a rotational basis in Saudi Arabia – 6 weeks on, 4 weeks off. Though based overseas, he remains a UK tax resident and owns a UK property currently let out.
⚠️ The Challenge:
He wanted to purchase a new property in London as a buy-to-let investment, with a long-term goal of living in it during retirement. Despite his strong income in SAR and ties to the UK, most high-street lenders were cautious due to his overseas work schedule and foreign currency earnings.
🔍 My Solution:
I matched him with a specialist lender that understood his international income and was comfortable with his residency profile. We structured the mortgage around his foreign earnings, factored in his existing rental income, and presented a clear long-term intent to reside in the property, which strengthened his application.
✅ Outcome:
✔ Mortgage approved smoothly without delays
✔ Secured a competitive interest rate with a specialist lender
✔ Purchased a prime London property as a long-term investment
✔ Retains flexibility to rent it out or live in it later
✔ Peace of mind knowing the finance is in place and future-ready
💬 Client Testimonial:
“Working offshore with foreign currency income made securing a UK mortgage feel out of reach – until I spoke to Lyndsey. He understood my situation immediately and found a lender that could work with my residency and income profile. The process was smooth, the rate was excellent, and I now own a London property I can retire to in future. Her expertise made all the difference.”
— Norman, Dubai Senior Executive
Case Study 2: British Expat Family in Dubai
👩💼 Client Profile:
A British expat executive living and working in Dubai, paid in AED, looking to purchase a property in the UK for his son who was about to start university there.
⚠️ The Challenge:
With no active UK credit history, no current UK bank account, and the need to move funds from overseas, he was unsure how to meet UK mortgage requirements as a non-resident parent buying for a dependent.
🔍 My Solution:
I sourced a specialist lender that accepts expat applicants with foreign income and no recent UK credit footprint. I also helped him set up a UK-based digital bank account with multi-currency support, making international transfers smooth and efficient.
✅ Outcome:
✔ Mortgage approved with an expat-friendly lender
✔ Funds transferred securely through a multi-currency banking solution
✔ Property purchased in time for his son’s first term at university
✔ Established a valuable foothold in the UK property market
✔ Secured a long-term family asset for the future
💬 Client Testimonial:
“As a British expat in Dubai, I wasn’t sure how to arrange a UK mortgage for my son’s university accommodation. Lyndsey made everything simple. From finding the right lender to helping with banking arrangements, his guidance was invaluable. The whole process was smooth and stress-free.”
— Graham, Dubai Executive
Making UK Mortgages Simple for Expats
How to Get Expat Mortgage Advice in Just 4 Simple Steps
📞 Step 1: Quick Discovery Call
Understand your goals and income so we can target the right lenders first time around.
🏦 Step 2: Expat Lender Match
I shortlist UK lenders who accept your currency, employment, or residency profile.
📄 Step 3: Document Guidance
I help you gather the right documents to avoid delays or rejections.
✅ Step 4: Approval & Completion
I manage the process start to finish – no chasing, no guesswork.
Trusted Partners for Your Mortgage Needs
Secure Faster Approvals, Higher Borrowing & Better Rates on Your UK Expat Mortgage
🏡 Ready to Secure Your UK Expat Mortgage?
Get expert one-to-one guidance and tailored solutions to secure your UK mortgage with foreign income.
📞 Book Your Expat Call Now
West Wales Money Ltd is registered with the Data Protection Act 2018 registration No ZA579253 and is authorised and regulated by the Financial Conduct Authority under Firm Reference No:1005183 an Appointed Representative of TMG Direct Limited which is authorised and regulated by the Financial Conduct Authority under Firm Reference No: 786245 and registered with the Data Protection Act 1998 registration No: ZA178200.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it. The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.