Case Study: Returning Expat Buys UK Home with £800k Mortgage
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Overview
Our client, a UK expat working in Dubai, was relocating back to the UK and wanted to buy their first home before returning. With limited recent UK credit history and no current UK payslips, they needed a lender who would take a pragmatic view of their circumstances and support £800k borrowing.
The Challenge
The client faced three main challenges:
No recent UK credit footprint after years abroad.
No UK payslips or employment track record, as they were still based in Dubai.
Avoiding a double move, as renting temporarily before buying would have been disruptive and expensive.
They needed a lender who would accept their UK employment contract and allow them to borrow before physically relocating.
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Our Solution
We used our experience with returning expats to:
Secure a lender who accepted a UK employment contract in place of payslips, enabling the client to borrow £800k ahead of their return.
Present clear evidence of their strong financial profile and confirmed transfer with their existing employer.
Structure the mortgage to allow completion before their relocation, removing the need for temporary rented accommodation.
This meant the client could move straight into their new home on arrival in the UK.
The Outcome
We arranged an £800k mortgage before the client’s return, allowing them to purchase their first UK home and bypass the hassle of renting. This not only saved them time and money but also made their relocation back to the UK far smoother.
What Our Clients Say
What We Can Do for You
If you’re an expat moving back to the UK, we can help you buy a home before you relocate. By using lenders who accept UK employment contracts upfront, we make the process seamless and ensure you can move straight into your own property.
Request your fee free mortgage consultation today. No obligation, just sound advice.
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YOUR HOME MAY BE REPOSESSED IF YOU DON’T KEEP UP REPAYMENTS ON YOUR MORTGAGE
Kite Mortgages is a trading style of Kite Financial Ltd which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
APPROVED BY THE OPENWORK PARTNERSHIP ON 12/08/2025