Expert & Independent UK Mortgage Advice

For almost 15 years Liquid Expat Mortgages has provided all forms of finance for anyone looking to purchase or remortgage in the UK. Anyone who has tried to obtain a UK mortgage or UK remortgage whilst working or living outside the UK will appreciate the complexities of organising any type of mortgage. With time zone differences, identity requirements, no UK credit footprint, foreign currency salaries and other legal requirements from lenders, it’s easy to give up on finding your ideal mortgage.

Our end-to-end service has helped customers worldwide secure their specific mortgage whether they remain in their host country or if they are coming back to live in the UK. We are a totally independent specialist expat broker with qualified mortgage consultants and are registered with the Financial Conduct Authority (FCA) for total peace of mind. We have developed solid and long-standing relationships with over 50 UK lenders including specialist boutique and niche lenders you won’t find on the high street.

Speak with one of our fully-qualified expat mortgage advisers now.

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UK Housing Market July Q&A – Part One

Can a British Expat or Foreign National get a Mortgage or a Remortgage in the United Kingdom?

This is a common question. The short answer is YES and although applying for a Mortgage or Remortgage while living abroad can be complex, Liquid Expat Mortgages prides itself on providing a wide range of lenders alongside knowledgeable and expert service to help you find finance fit for your needs.

We can help you with a residential or buy-to-let purchase, as well as remortgage your residential or buy-to-let property. We can assist across a wide range of other mortgage products such as Holiday-Let Mortgages, Self-Employed Mortgages and many more.

Contact us now to see how we can help!

Whether you’re looking to move back to the UK or would like to purchase an investment property, our team approaches each enquiry on its individual merits with the added peace of mind that we’re authorised and regulated by the Financial Conduct Authority.

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Why get a mortgage in the UK?

Over many years the UK property market has established a global reputation for stability attracting overseas buyers as well as UK Expats looking to keep a foothold in the UK. Even when UK expats move abroad, many of them want to retain their UK property as they know the value of it and realise it might not only deliver rental income but over time deliver strong capital growth. However, it does add an additional layer of complication when it comes time to remortgage a property.

Without being physically present in the UK, it can be difficult to attend meetings or seek out the best expat mortgage deals for yourself. Liquid Expat Mortgages can handle this on your behalf, using our extensive lender network.

Many high street lenders don’t offer expat mortgages because they can’t easily credit search applicants who aren’t in the UK. They also don’t have the infrastructure to help process your application and as such you could waste a substantial amount of time and money without really getting anywhere. That’s why we’ve become the No1 specialist mortgage broker for expats and foreign nationals.

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UK Ltd Company Mortgage for British Expat
Expat Mortgage Team

Meet the Liquid Expat Mortgage team

Our expat mortgage team are highly experienced and fully qualified, working exclusively with UK lenders to bring expat and overseas customers their UK mortgage. Since 2007 our team has been supporting customers worldwide helping them achieve their UK mortgage needs.

Just like every organisation, Liquid Expat Mortgages’ team has a diverse and dynamic mix to help us deliver consistently high standards and products to our customers worldwide. Our qualified and experienced team can help you through your entire property-buying journey.

We are here to help with all the issues which we know through experience cause delays and can ultimately cause the break down of the buying chain. Our admin support work closely alongside our mortgage advisers to ensure your application reaches its conclusion with the minimum of disruption and stress.

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5 Reasons to use Liquid Expat Mortgages

1 – Specialist UK Mortgage Broker
As an experienced specialist mortgage broker, we have been providing advice from our fully qualified and FCA regulated advisers to customers worldwide since 2007.

2 – Not limited by choice
Liquid Expat Mortgages is an independent company with access to a wide range of lenders. These include high street banks, private banks and boutique and niche lenders. Our UK based, inhouse mortgage advisers have access to the latest rates and direct access to underwriters to ensure you can have your decision in principle in less than 24 hours.

3 – We’ll help you all the way
Not only will our qualified brokers assist in helping you find the right mortgage product, but you’ll also benefit from the support network provided by co-ordinators and the general administration structure.

Liquid Expat Mortgages has developed a service-oriented culture designed to make obtaining your mortgage as straightforward as possible. We can help with ensuring your document submissions are efficient, we can assist with valuations and communicate with solicitors to take the stress out of your mortgage.

4 – Contacting you your way
We recognised the importance of good and clear communication a long time ago. We can communicate with you in the manner that’s best suits your needs and your time zone.

Whether it’s via telephone, email, texts, WhatsApp or a combination of all of them, we’ll work round you to ensure your mortgage requirements are achieved as smoothly as possible.

5 – In good & experienced hands
Our years of experience means we know how important it is that a mortgage is delivered as effectively as possible.

As such, Liquid Expat Mortgages ensures you speak to the same adviser throughout the mortgage process, as well as having a dedicated and experienced support team that will underpin your experience.

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We can help you through the whole Expat Mortgage Application Process

Liquid Expat Mortgages with its experienced and qualified team of mortgage brokers can support you through the whole UK expat mortgage application process.

By working with you we can help minimise the disruption and contain costs when it comes to supplying the correct paperwork and identity requirements.

Save time and stress

  • We can work with the lender to present your case better and ensure an underwriter doesn’t make assumptions based on the fact you live and work abroad.
  • We will be able to talk you through the process on how best to present your mortgage application.
  • We can help you secure a more favourable rate when exchanging money across borders.

As a completely independent team of expat mortgage specialists – we have no obligations other than ensuring you receive the best and most valuable service from our team.

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Liquid Expat is your Specialist Expat Mortgage Broker

Liquid Expat Mortgages has been providing expat mortgages since 2007. Our many years of experience and relationships built up with lenders means that we can find the very best mortgage for your needs.

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Liquid Expat Mortgages Testimonials

Hear from some of our clients about their experience with Liquid Expat Mortgages.

HMO Mortgages for Expats testimonial

­ I would like to take the opportunity to express my sincere thanks for the superb service and support I have received from Liquid Expat Mortgages in organising my HMO mortgage in the UK. I fully expected to have had to return to the UK at some point to sort this out. I did not which justified your fee in itself!

C.G. / UK Expat living in Saudi Arabia
HMO Mortgages for Expats testimonial

­ I just wanted to drop you a message to let you know of my recent very positive experience with Liquid Expat Mortgages as I have recently acquired a HMO mortgage and completed on a property in Manchester. It’s reassuring to have people you can rely on to help and give advice on what to do next.

R.L. / UK Expat living in Dubai
HMO Mortgages for Expats testimonial

­ Thanks to Liquid Expat Mortgages for assisting us in getting our HMO mortgage all sorted. We will definitely be using you again and recommending you to other expats. Everything went smoothly and you helped and kept us in the loop through-out. We have no problem recommending your services.

C.J. / Foreign National in Hong Kong
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Liquid Expat Mortgages Reviews

Read reviews left by our clients on Google.

Based on 162 reviews
James Varley
James Varley
Always a pleasure to deal with Liam, Claire and the team. A great option for British expats.
Niamh Sheehy
Niamh Sheehy
Liquid Expat Mortgages and Claire Aspin in particular were invaluable to us as we purchased a buy-to-let in the UK from Dubai. There were many issues and delays on the part of the developer due to supply chain issues at the tail end of Covid, but Claire was a constant source of advice and logistical help. Twice we had to seek an extension on our mortgage offer and were informed by many that this would be difficult to achieve, but on both occasions she managed it whilst preserving the most advantageous interest rate for us. Out of the many people you deal with in the course of a property purchase, developers, solicitors etc, she was the one who chased everyone else up and was the most efficient and maintained excellent communication. We will certainly use her service again.
Philip Smith
Philip Smith
Living in UAE, been using Liquid for a few years. Friendly and efficient service. Not pushy, just factual. Great communication. Always get the job done. What more do you need!? Thanks again to Claire, Liam & Joe, great work!
Yusuf Sidat
Yusuf Sidat
From start to finish, the process was made easy by Phil, Claire and Liam. Everything is communicated very clearly - deadlines, requirements etc - and so no nasty surprises along the way. Advice given is sound and there is no hard selling. There is frequent communication at each stage of the process. In short, the process of acquiring an expat mortgage can be quite tricky and frustrating. But with the clearly experienced team at Liquid Expat, the process was made easy! I would recommend and use again.
Jane Whyatt
Jane Whyatt
The helpful, patient staff at Liquid Expat have enabled me to get a new buy-to-let mortgage. Thanks to their professionalism, I was able to do all the paperwork online with ease.
Michaela Bowles
Michaela Bowles
Liquid Expat were really helpful. They were great in finding me the best expat mortgage which suited me and helped support with the issues you often face when dealing with banks, solictors etc when living abroad. I would highly recommend them.
edward lock
edward lock
Excellent and very professional service. Great customer care
Kayleigh Hutchison
Kayleigh Hutchison
Claire, Liam and John at Liquid Expat have been incredibly supportive throughout the process of obtaining an expat mortgage. They have made the process very clear and have been quick to respond to emails. Thanks very much!
Yan Wai Wayne Chan
Yan Wai Wayne Chan
Thanks Liquid Expat for your all your hard work in my mortgage application. Special thanks to Lawrence, Nicole and Claire who are so helpful and supportive. Highly appreciated and recommended.
David McDonald
David McDonald
I cannot rate Liquid Expat highly enough. John S., Claire A., Nicole G. and the rest of the team provided excellent client service and support throughout the process, going above and beyond in finding the best arrangement for my circumstances, showing great flexibility when needed and progressing matters efficiently and effectively to resolve difficulties arising elsewhere. The sort of customer experience they provide ensures that I'll absolutely be working with them again in the future! Special shout-out to Claire A. (⭐) who was immense in working with the conveyancer to get my BTL remortgage over the line in good time! 😀

Your guide to expat mortgages

As a specialist expat mortgage broker based in the United Kingdom, we can guide you through even the most complex overseas UK mortgage or remortgage process.

With over a decade of experience, we can quickly assess your case and then immediately place you with the most suitable lender and the best possible terms to suit your personal circumstances.

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