Best International & Expat Mortgages

Securing a mortgage in a country where you lack local tax returns or domestic credit history requires specialized cross-border underwriting. Compare verified offshore and foreign-national lenders.

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Top 2 Options — Ranked & Reviewed

⭐ Editor's Choice 2026
Rank #1

HSBC Expat International Mortgages

★4.8 / 5.0Issuer: HSBC Bank plc (Jersey Branch)

Located in Jersey (Channel Islands), HSBC Expat provides multi-currency banking and cross-border mortgages for expats buying residential or Buy-to-Let property in the UK, US, Australia, or Singapore. Because HSBC operates globally, they underwrite using your international credit history and foreign currency employment income.

Loan Amount
Up to 75% LTV (25%–35% Down Payment)
Regular APR
4.69%–5.99% (Market Dependent)
Term Lengths
2, 5-Yr UK Fixed or 15–30 Yr US Expat
Credit Needed
HSBC Premier / £50k+ Balance or £100k Salary
Origination Fee:£999–£1,499 or 1% Arrangement Fee

Top Benefits

  • Understands tax-free expat compensation packages (e.g., Dubai/Singapore housing allowances)
  • Seamless approval if you already hold HSBC Premier status in your home country
  • Multi-currency accounts in 19 currencies prevent forced FX conversions

Considerations

  • Requires qualifying for HSBC Expat Premier (£50,000 savings/investments or £100,000+ annual salary)
  • Higher minimum down payments (typically 25% to 35%) than domestic resident loans
Global Credit History Portability Across 60+ CountriesUnderwrites Multi-Currency Expat Salaries (USD, GBP, EUR, AED, SGD, HKD)Dedicated International Mortgage Relationship ManagerSpecialized in UK Non-Resident Buy-to-Let & US Foreign National Loans
Rank #2

Milo Foreign National & Crypto Mortgages

★4.5 / 5.0Issuer: Milo Credit LLC (NMLS #1892335)

Milo specializes in two underserved U.S. real estate niches: (1) Foreign National Mortgages allowing non-U.S. citizens living abroad to buy U.S. investment properties in Florida, Texas, and 35+ states with no U.S. SSN and no FICO score; and (2) Crypto Mortgages allowing investors to pledge Bitcoin or Ethereum as collateral to finance up to 100% of a U.S. home purchase without selling their crypto and triggering capital gains taxes.

Loan Amount
Up to $5,000,000
Regular APR
7.25%–8.95% (Foreign National / DSCR)
Term Lengths
30-Year Fixed or 5/1, 7/1 ARM
Credit Needed
No US SSN or FICO Score Required (30% Down or Crypto Pledge)
Origination Fee:1.50%–2.50%

Top Benefits

  • Enables international investors to buy U.S. dollar rental real estate completely remotely
  • Crypto-backed option avoids triggering a 20%+ capital gains tax event on long-term Bitcoin holdings
  • Closes in 30 days—half the time of traditional international private banks

Considerations

  • Interest rates and origination points are higher than domestic W-2 conforming loans
  • Crypto-collateralized loans are subject to margin calls if pledged crypto value drops sharply
No U.S. Social Security Number (SSN) or U.S. Credit Score Required100% Remote International Digital Closing (No U.S. Embassy Visit Needed)Option to Pledge BTC / ETH / USDC Collateral for 100% FinancingUnderwrites Using Foreign Bank Statements or Rental Cash Flow (DSCR)

How Cross-Border & Foreign National Mortgages Work

Traditional retail banks rely on automated domestic credit bureau pulls (FICO in the US, Experian/Equifax in the UK). When you live abroad or earn income in a foreign currency, standard mortgage desks automatically reject your file.

Specialized Underwriting Solutions

  1. Global Credit Portability (HSBC Expat): Leverages your premier banking relationship and foreign employment contract to underwrite UK Buy-to-Let or international residential mortgages across borders.
  2. DSCR & Foreign National Loans (Milo): Underwrites U.S. investment properties based on a 25%–30% down payment and the property's projected rental income (Debt Service Coverage Ratio) or pledged crypto collateral—requiring no U.S. SSN and no U.S. FICO score.

Crunch the Numbers

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