Surrey is one of England’s most sought-after counties – combining excellent connectivity to London with outstanding schools, green space, and a high quality of life. For UK expats planning to return home or foreign nationals relocating to the UK for work, Surrey is a consistently popular choice. The Mortgage Story is based in Surrey and has deep expertise in the local property market. For more information, see HMRC guidance for overseas income.
Why Surrey for Expats and International Buyers?
- Excellent rail links to London (20-40 minutes to London Waterloo from most areas)
- Outstanding state and independent school provision
- High quality of life – green belt, countryside access, low crime
- Strong resale market and consistent long-term property values
- Large international community, particularly in Guildford, Weybridge, Cobham, and Esher
- Good connectivity to Heathrow and Gatwick airports
Can UK Expats Get a Mortgage for Surrey Property?
Yes. UK expats returning to or investing in Surrey can access specialist expat mortgage products. The Mortgage Story is based in Surrey and has significant experience placing expat clients into Surrey properties. Whether you are buying a family home to return to or an investment property, we can help.
Can Foreign Nationals Buy Property in Surrey?
Yes. Surrey has a large and established international community and foreign nationals regularly purchase property in the county. Specialist mortgage products are available for non-UK residents buying in Surrey.
Key Surrey Areas for International Buyers
Guildford
Surrey’s county town offers a vibrant high street, excellent schools, the University of Surrey, and direct rail services to London Waterloo. One of the most popular destinations for international relocators.
Weybridge, Cobham, and Esher
The so-called “stockbroker belt” attracts high-net-worth buyers and has a large international community. Excellent schools, luxury housing stock, and proximity to Heathrow make these areas particularly popular with corporate relocatees.
Reigate and Redhill
Excellent value relative to Guildford and north Surrey, with fast Thameslink services to London Bridge and St Pancras. Popular with professionals seeking more space for their money.
Epsom and Ewell
Competitive property prices for the quality of schools and transport links. Close to Epsom racecourse and the North Downs.
Farnham, Haslemere, and South West Surrey
Premium market with a more rural character. Popular with buyers seeking larger homes and countryside access while retaining rail access to London.
Please note: Tax may be applicable on the purchase, sale and any rental income received from UK property. The Mortgage Story is not authorised to provide tax advice and strongly recommends seeking a professional tax adviser before proceeding.
How The Mortgage Story Can Help with Surrey Property
As a Surrey-based broker, The Mortgage Story has direct knowledge of the local market and long-standing relationships with estate agents, conveyancers, and specialist lenders who regularly finance Surrey property purchases for expat and international buyers.
Frequently Asked Questions – Surrey Property for International Buyers
What is the typical price range for Surrey property?
Surrey property prices vary significantly by area. North Surrey near the M25 corridor and stockbroker belt commands premium prices, while south and west Surrey offers more competitive entry points.
What deposit do I need as an expat buying in Surrey?
Most specialist expat lenders require 25% minimum deposit. For higher-value properties, private bank options are also available.
Is Surrey popular with returning UK expats?
Very much so. Surrey’s school provision, quality of life, and London connectivity make it a consistently popular choice for UK nationals returning from Dubai, Singapore, Hong Kong, and the USA.
The Mortgage Story Ltd is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority. We provide mortgage and protection advice only. Nothing in this article constitutes financial planning or legal advice.
Written & reviewed by
Amber Story, Mortgage Broker & Founder
Amber is the broker and founder of The Mortgage Story, providing independent, whole-of-market mortgage advice across the UK. The Mortgage Story Ltd is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority. About The Mortgage Story →
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