Your Expat Mortgage Broker, Wherever You Are

Helping UK Expats and non-UK Nationals

secure their dream property in the UK

Bank of England Base Rate
Avg Owner-Occupier 2 Yr Fixed
Avg Owner-Occupier 5 Yr Fixed
Avg Buy-to-Let 2 Yr Fixed
Avg Buy-to-Let 5 Yr Fixed
Avg UK House Prices
London £611,000
England £291,000
Scotland £189,000
Wales £213,000
Source: ONS
Avg Top 5 UK BTL Rental Yield Locations
1. East Ayrshire (Scotland) ~9.5%
2. Sunderland (North East) ~7.9% - 9.3%
3. West Dunbartonshire (Scotland) ~9.15%
4. Renfrewshire (Scotland) ~9.13%
5. Burnley (North West) ~8.2%
Source: Zoopla (26 April 2026)

About WHA Mortgage Services

Based in Glasgow, UK, WHA Mortgage Services understands the unique challenges faced by UK expats and non-UK nationals when it comes to securing a mortgage for property in the UK. With 20+ years of experience in the UK mortgage industry and with a dedicated team of specialists, we help you navigate the complexities of the UK property market to secure tailored mortgage solutions that meet your needs.

 

Whether you're buying a home for the first time or looking to expand your property portfolio, our expertise and in-depth knowledge will guide you every step of the way. Our goal is to make your mortgage process as seamless and stress-free as possible.

 

We pride ourselves on our adaptability and commitment to excellence in every aspect of our service.

Specialised mortgage solutions

We offer a range of specialised mortgage services tailored to meet the unique needs of UK expats and non-UK nationals. Our bespoke tools and deep understanding of the market provide effective and practical solutions for your UK property aspirations.

UK Expat mortgages

Tailored mortgage advice and solutions for UK citizens living abroad, helping you navigate the complexities of international finance.

Non-UK national mortgages

Expert assistance for non-UK nationals seeking to invest in or purchase property within the United Kingdom.                                                                     

Bespoke lender sourcing tool

With our unique and bespoke UK lender sourcing tool (i-GEM), you can immediately check to see how many UK mortgage lenders are available to you.

Your trusted mortgage partner

It all began with a simple idea fueled by a deep passion to serve international clients. As a dedicated mortgage broker, we pride ourselves on personal attention and a commitment to every detail. Our approach is rooted in quality and integrity, ensuring that everything we do reflects our commitment to excellence for your UK mortgage needs.

Client success stories

Hear directly from our satisfied clients about their seamless journey to securing a UK mortgage with WHA Mortgages Services. We pride ourselves on our adaptability and commitment to excellence in every aspect of our service.

"I would like to say a big a thank you for getting this over the line as it was not as straight forward as most mortgages. I will be in touch in the future for the next project."

Martyn, Expat client

"As a non-UK national, I found the process daunting until I spoke with WHA Mortgages. They guided me every step of the way with professionalism and expertise."

Emma, International investor

"Best money I have spent in a long time! Thank you all, again, so much for making this such a low-stress process at a relatively high stress time. You have been brilliant."

David, UK homeowner

Contact WHA Mortgage Services

Our office:

Legal

WHA Mortgages is the trading name of WHA Mortgage Services Limited. We are an independent, directly authorised, whole of market mortgage broker. We are not a mortgage lender. We may receive commission from the lender and this amount varies between lenders. WHA Mortgage Services Limited is authorised and regulated in the UK by the Financial Conduct Authority (FCA). Registered in Scotland No. SC725550. Registered office address is Suite 3/1, Turnberry House, 175 West George Street, Glasgow, Scotland, UK, G2 2LB. The Financial Conduct Authority does not regulate some aspects of buy to let mortgages.

 

We are entered on the Financial Services Register (Number 981019) at

  https://register.fca.org.uk/

 

The guidance and/or advice contained within the website is subject to the UK regulatory regime. If you have a complaint or dispute with us, you are entitled to make a complaint. We have a complaints procedure that is available on request. If you wish to register a complaint, please contact us either in writing, by telephone, email or by completing our Contact Form. Please be assured we treat complaints seriously. For your protection if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service ('FOS'). 

 

The content of this website is for information purposes only and does not constitute financial advice or a recommendation to a suitable product or service. You should seek advice before embarking on any course of action. Please refer to the FCA’s consumer website “MoneyHelper” for further information.

 

IMPORTANT: Your home or property may be repossessed if you do not keep up the repayments on your mortgage.