Arrive prepared. Live effortlessly.
The Expat Concierge curates trusted, expat-friendly services for cars, housing, insurance, banking and utilities — clear guidance for every stage of your move, even without a UK credit history.
How we help
The Expat Concierge exists to make one thing simpler: moving to the United Kingdom. Whether you're arriving to work, study, retire or return, we connect you with vetted specialists across the services expats need most.
Every partner we work with is chosen for one reason — they take the time to explain the detail, so you're never caught out by the fine print.
It's well known among the expat community that support is hard to come by when relocating to the UK. That gap is exactly why The Expat Concierge was created.
"Expats consistently tell us they don't get the help and support they need when moving to the UK. So we built a service that gives it to them."
What do you need?
How it works
Choose What You Need
Tell us which part of the move you're focused on — a car, a home, cover, or getting your finances set up.
Compare Expat-Friendly Options
We point you toward specialist providers and trusted comparison partners built around expat circumstances.
Get Set Up Quickly
Click through, compare, and move forward with a provider that understands your situation — no guesswork.
Mobility, without the credit history hurdle
Getting a car in the UK can be more difficult than expats expect. Without a UK credit history, leasing or purchasing outright isn't always as simple as it was back home — finance providers must follow strict affordability rules, regardless of income or savings. We work with specialists who focus on expat circumstances, across leasing, subscriptions, rental and buying.
Expat Car Leasing
Lower monthly costs and ideal for longer stays, though some providers may ask for home-country credit history.
Compare LeasingCar Subscriptions
All-inclusive, flexible and expat-friendly — premium cars with no long-term commitment.
Compare SubscriptionsLong-Term Car Rental
The easiest way to get mobile fast — no credit checks, ideal for your first month in the UK.
Compare RentalBuying a Car
The best long-term value, though more complex for new arrivals — factor in insurance and road tax.
Learn MoreCar Insurance
Expat-friendly car cover, simple to set up, with monthly or annual payment options.
Compare CoverBreakdown Assistance
24-hour UK and European breakdown cover, available on an annual or monthly basis.
Get QuotesFinding a place to call home
Housing is often the most important — and most challenging — part of relocating to the UK. Rental agreements, deposits, property searches and legal processes can look very different from what you're used to. Most expats begin by renting to get settled, then explore buying once they've established themselves and understand the market.
Renting a Property
Ideal for new arrivals — more flexible, with lower upfront costs than buying.
Explore RentingBuying a House
Better suited to long-term stays, offering full ownership in exchange for higher upfront investment.
Explore BuyingRelocation Services
Specialist support for expats and returning citizens managing a full move to the UK.
View Relocation HelpWhy cover matters in the UK
Insurance plays an important role in everyday UK life — some cover is legally required, while other policies provide financial protection and peace of mind. As an expat, understanding what you need can be difficult: no UK insurance history, higher premiums, and overseas driving licences can all complicate the process. Comparing multiple providers is the best way through it.
Home Insurance
Protect your property and belongings against damage, theft and the unexpected.
Compare CoverLife Insurance
Financial protection for your family and dependants, wherever you settle.
Compare CoverTravel Insurance
Protection for travel, medical emergencies and unexpected disruption.
Compare CoverBreakdown Assistance
24-hour UK and European breakdown cover, on an annual or monthly plan.
Get QuotesNavigating a new financial system
Moving to the UK usually means navigating an entirely new financial system. From opening a bank account and building credit history to arranging mortgages and international transfers — understanding how it all works makes settling in far easier. Our advice: open an account early, keep proof of address documents, and build credit history from day one.
Bank Accounts
How to open a UK bank account, and the documents you're likely to need.
Explore AccountsInternational Transfers
Move money internationally and understand exchange rates and transfer options.
Compare TransfersLoans & Financing
Understanding borrowing, finance agreements and lending options in the UK.
Explore FinanceTax for Expats
UK tax basics and the obligations most overseas residents should know about.
Understand TaxGetting connected, without the friction
Once you've found a place to live, you'll usually need to arrange broadband, energy, mobile and streaming services yourself. Some rentals include certain utilities; most don't. No UK credit history or previous address can make eligibility trickier, so comparing providers before you commit is well worth the time.
Broadband
Fibre and mobile connectivity services for expats and returning residents.
Compare BroadbandMobile Phone Services
SIM-only plans, contracts and international-friendly providers.
Compare MobileStreaming Services
The most popular TV and music streaming platforms available in the UK.
Explore StreamingCompare with confidence
Don't settle for the first quote. From specialist expat providers to independent comparison sites, here's exactly where we send you to compare.
Cars & Mobility
Specialists in expat car leasing, subscriptions and corporate monthly rental since 2007 — built for customers with limited UK credit history.
Visit Cocoon VehiclesFlexible, subscription-based motoring with simple monthly pricing — no long-term finance agreement required.
Visit Flexigo CarsA platform dedicated specifically to expat vehicle leasing, with long-term and short-term options UK-wide.
Visit Car Leases for ExpatsRelocation & Housing
End-to-end relocation support — property search, schooling assistance and settling-in services for professionals and families.
Visit Relocate RelocateDestination services, property search and relocation support for those settling into the UK.
Visit Citrus RelocationInsurance & Comparison Sites
An excellent place to start — car, contents, buildings, travel and life insurance quotes, all in one place.
Visit Einsure *One of the UK's best-known comparison brands — competitive pricing plus additional customer perks.
Visit Compare the Market *One of the UK's largest comparison sites — car, home, life and travel cover, plus utilities and finance.
Visit MoneySuperMarket *Easy-to-navigate quote requests across car, home, life and travel — with regular customer perks.
Visit Go.Compare *Banking & Utilities — Further Guidance
Dedicated comparison partners for these categories are joining our network soon. In the meantime, our friends at The Expat Marketplace publish detailed, expat-specific guidance on each of these:
* Some links on this page are affiliate or referral links, meaning The Expat Concierge may receive compensation if you purchase products or services through them, at no extra cost to you. Links marked to The Expat Marketplace point to independent guidance published by a fellow expat resource, not a paid partnership. Information is provided for general guidance only — pricing, availability and eligibility vary by provider, location and personal circumstances.
The journal
Why Chinese Car Brands Are Winning Over UK Expats
New-to-market manufacturers are offering flexible finance and expat-friendly terms that established brands often can't match.
What New Arrivals Can Learn From Seasoned Expats
The small preparations — proof of address, references, credit history — that make the first three months dramatically easier.
Building UK Credit History From Scratch
A practical order of operations: bank account, proof of address, mobile contract, then credit-building products.
Frequently asked
Yes, although you may need to provide references, proof of income and a deposit — typically four to five weeks' rent — before a tenancy is agreed.
Yes, there are generally no restrictions on expats buying UK property, though mortgage eligibility and deposit requirements can differ from those for UK residents.
Yes — some providers specialise in expat-friendly cover, and comparison sites make it easy to check multiple options quickly.
Yes, although additional documentation — such as proof of address and identification — is usually required, and requirements vary by provider.
Generally, yes, if you're classed as a UK tax resident. Obligations depend on residency status and income sources, so specialist advice is recommended.
No. The Expat Concierge is an information and referral resource — services featured are provided by carefully selected third-party partners, and some links may be affiliate or referral links.