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Equity Release for Expats
and Foreign Nationals
Looking to Release Equity from a UK Property whilst Living Abroad? We Can Help. Secure your financial future and make the most out of your property assets.
What is Equity Release?
Equity release is a great way to unlock the value of your property and turn it into a cash lump sum. You can do this via a number of policies which let you access – or ‘release’ – the equity (cash) tied up in your home, if you’re over 55 years old. You don’t need to have fully paid off your mortgage to do this.
Equity Release Rates are the cheapest they’ve been in years!
There has been no better time to release equity thanks to some of the best rates we’ve seen in years. Equity Release is a very effective process for mature expats and those with properties on foreign soil.
Frequently Asked Questions
How much equity could I release?
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The amount of equity you can release depends on your age and on how much of your mortgage is paid off. Most people release between 20-50% of the equity in their home, typically between £10,000-£100,000.
Because house prices have risen over the years, the equity you have in yours could be significant especially if you don’t have a mortgage.
For example, if your home is worth £250,000 and you have an outstanding mortgage of £50,000, you would have £200,000 equity. To find out exactly how much equity you could release, get in touch with us today.
Is equity release safe?
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For your peace of mind Liquid Expat Mortgages is regulated by the Financial Conduct Authority
How long does equity release take?
Releasing equity takes on average around 8-12 weeks. Liquid Expat can help prepare your application to ensure it all runs smoothly and your money is in your bank account as soon as possible.
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Is equity release right for me?
If you have money tied up in your home, you can think about releasing to to enjoy some of the things you’ve always promised yourself but never got round to doing. Some people choose this route to fund a more comfortable retirement and equity release can boost their finances. It can help top up pensions or other income when you stop working and in some cases whilst you are still working.
You’ll need to meet certain conditions in order to qualify for equity release plans. If you meet the criteria below, then you could be eligible.
- You’re 55 or over
- You’re the owner of a qualifying property in the UK
- Your property is worth £70,000 or more
Equity Release Case Study
Mr & Mrs SJM moved to Australia as Mr SJM relocated with a senior Mining Management role over 17 years ago. His package included generous bonus payments and paid accommodation.
They kept their house in the UK and rented it out as they had no children to think about. The rental income paid the mortgage and the remainder went in savings as part of their pension strategy.
By 2015 the mortgage on the UK home was fully paid off and even though the couple were now 55 and 56 respectively, they wanted to carry on working and living in Australia for another ten years. They decided that they wanted to buy a top of the range camper van so they could start to enjoy longer breaks around the coast.
Rather than take out a loan they decided to release some of the equity in their property as it was cheaper and easier than obtaining a loan in Australia. Releasing sterling also benefited them when they exchanged to Australian dollars.
Join the thousands of expats already using Liquid Expat
The level of service we provide to our customers at Liquid Expat Mortgages is really important and we’re always delighted to receive positive feedback. Here’s what some of our clients have said about us recently.
❝ We would like to commend the excellent support we received from Liquid Expat in our recent recent buy-to-let mortgage application, which proceeded faster than we could have hoped. Thank you so much. ❞
❝ I just wanted to drop you a note to express my thanks for the work Liquid Expat has done in helping me secure a formal mortgage offer for a residential property in Scotland, which is due to complete later this week. ❞
❝ Thanks for your great work. Very much appreciated. I can honestly say that it’s been good working with you and your team, you’ve made the difficult process very smooth. ❞
We’ll save you time and stress when applying
Our large team of Mortgage Consultants are super-qualified, experienced and friendly. Trained to the highest standard, they’ll take care of all the hard work and support you throughout the whole process.
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DISCLAIMER: Liquid Expat and Liquid Expat Mortgages are the trading styles of Liquid Complete Limited. Liquid Complete Limited is authorised and regulated by the Financial Conduct Authority (FCA), FCA Firm Reference Number 685425, and Company Registration Number 09438556. Registered Office: Pheonix House, 2 Huddersfield Road, Stalybridge, SK15 2QA. The content of the articles on this site and any emails provided to you are for informational and illustrative purposes only and are not intended as financial, legal, or tax advice.
Liquid Expat Mortgages is authorised and regulated by the Financial Conduct Authority (FCA) to provide mortgage and protection advice. The FCA does not regulate certain investment mortgage contracts, and any views expressed herein may include unconventional or contrarian perspectives that do not necessarily reflect standard industry practices or regulatory guidance. Your home or property may be repossessed if you fail to keep up repayments on a mortgage or any other debt secured against it. We are not authorised to provide financial, legal or tax advice, and we strongly recommend consulting a qualified professional for personalised guidance tailored to your circumstances before making any financial decisions.
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