What credit score is required for an expat mortgage in the UK?

Marko Leon
August 11, 2021

Here’s how an expat can get a mortgage in the UK. Find out what credit score is needed to buy a home in the United Kingdom.

The short answer to this often asked question by British expats is no. It is not necessary to have a credit history in the United Kingdom in order to obtain a UK mortgage. This guide also includes three fast tips on how an expat can establish their credit score in the United Kingdom.

You do not need to have a credit history in the UK to get a mortgage. However, as an expat to get mortgage in the UK and obtain more favorable and flexible mortgage terms than those offered by offshore or foreign lenders, you should.

Stuart Marshall, Liquid Expat Mortgages’ Business Development Director, sheds light on this often misunderstood subject. He also gives some examples of how a UK credit history can be beneficial, as well as suggestions for how an expat can increase his or her credit score.

Obtaining a mortgage in the United Kingdom


If you want to buy a home in the United Kingdom with a mortgage, you don’t need to have a credit history. The main explanation for this is that most UK and offshore lenders only need your previous three years’ address history. Finance companies cannot run a credit check via Experian or Equifax because many expats have worked overseas for at least this long.

International nationals who have never served in the United Kingdom have no credit history. In their application and underwriting processes, offshore banks and lending agencies take this into account. Liquid Expat Mortgages assists clients from all over the world in obtaining UK mortgages, even though they have no links to the UK. Both buy-to-let and main residential mortgages, as well as self-build mortgages, are available to expat clients.

When an expat has lived in the UK for more than three years, his or her credit background in the UK is crucial.

Furthermore, many expats will still have an established UK address that they use for banking correspondence, allowing UK lenders to conduct credit searches and complete the credit scoring process at this site.

Many expats use their parents’ address in the United Kingdom as their banking address. This may benefit clients who want to get on the property ladder in the UK and are searching for lenders who don’t charge a minimum loan sum or 1% arrangement fees, as many offshore and foreign banks do.

For expats, mortgage providers in the United Kingdom may expedite the application process. They’ll most likely have lower setup costs, lower interest rates, and a broader range of availability.

Three fast tips for expats on how to establish and boost their credit score in the United Kingdom


1) Keep a UK address for banking correspondence or re-establish one in the United Kingdom. This allows a UK lender to credit score your application while it is being processed at a UK address, expanding your mortgage options.

2) Get a copy of your credit file from Experian, Equifax, or TransUnion before applying for UK credit. All three companies have online access to your statutory GBP 2 credit report. All you have to do is fill out an application and you’ll have immediate access to your credit report. Please forward this to your mortgage broker so that they are aware of any possible problems before you apply.

3) Taking care of any past due bills or CCJs. You may request a note of error on your credit report if you miss a payment. This is a 200-word explanation of why payments were skipped. For example, they often made their payments on time in the past, but moving or working abroad caused them to miss a couple payments due to their schedule. You must clarify that now that you are working overseas, you have met all of your financial obligations for repayment.


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