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Repairing credit

Mortgages for expats with poor credit

Struggling with poor credit as an expat?

Missed payments, CCJs, or an IVA can make it harder to get a mortgage, especially when many high street banks reject applications automatically. But poor credit doesn’t mean your mortgage dream is over.

Visit the IVA Forum
Signing agreements for house purchases, leases and mortgages.

Can I get a mortgage with poor credit?

Yes. Specialist and niche lenders are more open to expats with a poor credit record. Unlike high street banks, they use underwriters who assess applications individually - not just your credit score. Even with an IVA, CCJ, or default, you may still have options. For extra support on IVAs, visit www.theivaforum.co.uk.

Why use a mortgage broker?

  • Access to the whole market: high street, independent and specialist lenders 
  • Tailored guidance: clear answers on what’s possible and what to fix first 
  • Time and stress saved: we handle forms, underwriters and follow-ups 
  • Better outcomes: experience and lender relationships can mean sharper deals 
Ask your expat mortgage expert

Practical steps to rebuild your credit

While we help you explore your mortgage options, there are practical steps you can take to repair and strengthen your credit profile: 

  • Pay everything on time: even mobiles and utilities help your profile 
  • Keep utilisation low: aim to use under 30% of limits 
  • Limit applications: too many hard searches can drag scores down 
  • Check your files: correct errors with Equifax, Experian or TransUnion 
  • Get informed support: resources like theivaforum.co.uk can help

Why choose Expat Mortgage Expert?

We have been helping expats with poor credit for over ten years. Our experience means: 

  • Expat specialists: we explain overseas income, currencies and residency to lenders 
  • UAE-based, UK-regulated: convenient conversations, compliant advice 
  • Case-by-case approach: we package your story so underwriters see the full picture 
  • Straight talk: no jargon, no pressure, just a clear plan 
Find your best UK mortgage

Let’s talk - no forms, no pressure

You don’t need all the answers. That’s what we are here for. 

Drop us a message, ask a few questions, or book a call. We will talk it through and help you make a plan that works. 

  • Based in the UAE 
  • Real advice from real people 
  • Mortgages that make sense for expats 
  • +971 585 139728
  • help@expatmeuk.com
  • Creative Tower, PO Box 4422, Fujairah


Request Contact

We try to answer all enquiries within 24 hours on business days. If there is a certain time you’d like a call, please state this and we’ll endeavour to contact you then.

  • hello@expatmeuk.com
  • +971 585 139728