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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.
Call +44 (0) 161 871 1216
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.
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.
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.
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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Helping You Through the Expat Mortgage Application Process
Most high street lenders lack expat mortgage options and support structures for Expats or Foreign Nationals seeking finance. This is where a specialist UK expat mortgage broker is usually necessary to ensure your application meets the right criteria and is directed to the appropriate lender. Any available mortgage product will depend on your specific circumstances.
Our consultants and dedicated support team will guide you through the entire UK mortgage application process. We'll identify all of the requirements, including income and visa status. We help reduce disruption, contain your costs, and save you time.
We’re here to Save Time and Take Away the Stress
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We work with the lender to present your case and ensure an underwriter doesn’t make assumptions based on the fact you live and work abroad or have only recently moved to the UK.
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We can talk you through the process on how best to present your mortgage application.
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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.
- We can help you secure a more favourable rate when exchanging money across borders.
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.
Accessible
Our mortgage consultants are available on the end of the phone or email, as and when you need us.
Approved
Liquid Expat is fully approved by the UK’s Financial Conduct Authority for expat mortgage advice.
Exclusive Market Access
Not only do we have the largest panel of lenders to choose from, but a number of our lenders have exclusive offers only available through Liquid Expat Mortgages.
Experienced
Liquid Expat Mortgages have successfully completed thousands of mortgages and remortgages for expats and foreign nationals since 2007.
Experts
Our expert mortgage consultants are fully qualified with extensive UK Mortgage market knowledge.
Straightforward
We work quickly, without jargon, to make things happen within your time frame and around your time zone.
Liquid Expat Mortgages Testimonials
Hear from some of our clients about their experience with Liquid Expat Mortgages.
❝ 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! ❞
❝ 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. ❞
❝ 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. ❞
Liquid Expat Mortgages Reviews
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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.
Get a free quote