UK Expat Mortgage Broker 2026 -- How to Choose, Cost and FCA Authorisation
A UK expat mortgage broker must hold FCA MCOB authorisation (register.fca.org.uk). Expat rates run 0.5-1.5% above resident rates; minimum deposits are 25-40% for buy-to-let. Broker fees run £500-1,500. Specialist lenders handle most expat cases in 2026.