Expat Mortgages in the United Kingdom

Our expertise in arranging UK expat mortgages means we can source the perfect product for your specific property requirements, whether for residential or buy-to-let purposes.

Having Liquid Expat Mortgages in your corner, dealing exclusively with UK expat mortgages, we can ensure you receive specialist insight and expert guidance for your expat mortgage. With the largest panel of expat mortgage lenders, we can make the process straightforward and help secure the best non-resident mortgage deals for you.

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Our team of experienced expat mortgage specialists can simplify the process of finding and securing an expat mortgage for a property in the UK – without you even needing to set foot in the country.

Speak with one of our UK Expat Mortgage expert advisers today.

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UK Expat Mortgages

Can I get a UK Expat Mortgage?

If you’re a British Expat looking to purchase or remortgage a property in the UK, you may not be able to talk to your bank as they may not cater for Expat mortgages, but it is possible with help from Liquid Expat Mortgages.

You might also think that it can be time consuming, stressful, and expensive. It’s true that trying to obtain a UK mortgage can be complicated at the best of times, but with the right experience and expertise it can be quite straightforward to obtain a UK mortgage as an Expat or Overseas Resident.

We can help you with your UK property purchase

Whether it’s a residential UK Mortgage or Buy-to-let UK Mortgage, or whether you’re an employee working overseas or are self-employed/contractor and paid in a foreign currency, Liquid Expat Mortgages has a wide range of lenders to choose from to help you find your mortgage.

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UK Expat Mortgage Application Process

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

  • 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.

  • We can talk you through the process on how best to present your mortgage application.

  • 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.
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UK Expat Mortgage Case Studies

Learn how our team at Liquid Expat Mortgages has helped expats and foreign nationals living overseas secure UK Expat Mortgages despite facing difficult or complex circumstances.

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Remortgage for Home Improvements: A Guide for UK Expats and Foreign Nationals.

Understanding How to Remortgage. To remortgage means switching an existing mortgage to a new lender or product. Not only can this secure a better interest rate, but it can release equity from an investment property. Additional borrowing involves borrowing extra funds with the current lender against the property’s equity. ‘Both...

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Case Study: UK Expat in Dubai Secures Self-Build Mortgage with Liquid Expat Background

A great case study on how Liquid Expat helped a UK Expat living in Dubai to secure a self-build mortgage in the United Kingdom.

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Case Study – UK Expat Couple Successfully Navigates Property Purchase

A great case study on how Liquid Expat helped a couple living in Singapore to successfully navigate a property purchase in the UK.

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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.

expat residential mortgage testimonial

­ Many thanks to all the guys at Liquid Expat and the support they gave us to buy our new property. We’d tried our bank for a residential mortgage and wasted so much time that we actually lost our first choice property, let alone the hassle, time and money as we had to provide documents and information from Dubai. We’ve now got a new home and will be moving back to Sheffield from Dubai in the next 2 weeks to settle back into the United Kingdom.

Stephanie & Colin / UK Expats in Dubai
expat residential mortgage testimonial

­ I first contacted Liquid Expat Mortgages in June 20 as I was looking at a property in Manchester or Salford as my son was looking to study at one of the two universities. Liquid remained professional throughout. I would highly recommend Liquid Expat Mortgages to anyone looking for a UK expat residential mortgage as they sorted my needs out quickly and saved me time and money as they organised notaries in Abu Dhabi and UK solicitors as well.

S. Marchant / UK Expat in Abu Dhabi
expat residential mortgage testimonial

­ I enquired about a mortgage as my parents wanted to buy a house in the UK. Although I speak English to a good standard my parents were encouraged that they could also communicate with Liquid Expat as and when they wanted to. Despite the time differences they kept in touch and we always knew that they had colleagues in Hong Kong ready to help. I would highly recommend Liquid Expat Mortgages to all foreign nationals looking to buy in the UK.

Yi Lau / Foreign National in Hong Kong
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Liquid Expat Mortgages Reviews

Read reviews left by our clients on Google.


Google star 1Google star 2Google star 3Google star 4Google star 5.0.74.7
4.7Google star 1Google star 2Google star 3Google star 4Google star 5.0.7
Top Rated Service
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Posted on Google Google
Safina Saddique
51 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
We had an excellent experience with Raja Majeed at Liquid Expat. From start to finish, he was professional, knowledgeable, and incredibly supportive throughout the mortgage process. He kept us updated every step of the way, explained everything clearly, and was always available to answer our questions, making what could have been a stressful process feel straightforward and manageable. Raja’s attention to detail and dedication gave us confidence throughout, and he worked hard to ensure everything progressed as smoothly as possible. We truly appreciated his patience, honesty, and commitment to achieving the best outcome for us. We would highly recommend Raja Majeed and Liquid Expat to anyone looking for expert mortgage advice and outstanding customer service. Thank you for all your help!
Posted on Google Google
Leonarda and Callum H.C
149 days ago
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I’ve had a great experience working with Liquid Expat who helped me on an expat remortgage. Joe and Liam provided great service and helped me through the whole process. I would definitely recommend to anyone needing a mortgage
Posted on Google Google
Heather Mitchell
237 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
My experience with Liquid Expat Mortgages was outstanding. I was incredibly lucky to be allocated Julie, who went above and beyond throughout the entire process. She even stayed up past midnight on one occasion to help move things forward and offered not just professional support, but emotional reassurance too—something that made a real difference in what was a high-pressure situation. Julie is exceptional with complex mortgages and has strong relationships across a wide range of banks, which enabled her to expedite things quickly and smoothly. I’d thoroughly recommend her to anyone looking for expert, committed support with expat or cross-border mortgage needs.
Posted on Google Google
Tony M
273 days ago
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Fantastic experience. John and Vanessa have been amazing. Despite our case being more complicated than most, their diligence, perseverance and professionalism at every step of the way meant we were able to secure a mortgage and proceed with a property purchase in the UK as expats from a distance. Their communication is a key strength and one of the main reasons we have now used them twice and recommended them to others. If you are an expat struggling with finding a mortgage - don't waste your time trying to deal with anyone else.
Posted on Google Google
Peet Kok
279 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Joe and his team were great. So helpful and professional. Highly recommended for anyone in need of a mortgage, especially if more complex and challenging circumstances apply.
Posted on Google Google
Hailey Luk
442 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
The entire mortgage approval process was impressively quick — it only took around three weeks to complete. Although there was a small misunderstanding at the beginning, it was resolved very promptly. A big thank you to Vanessa and Kenneth for providing regular updates, following up closely throughout the process, and helping to resolve any issues along the way. Their professionalism and responsiveness made the experience smooth and reassuring. Truly appreciate all your support!
Posted on Google Google
Optimistic
471 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
David: I can rightfluly say that your swift work was life changing- Thank you. David even called on Saturday to break a good news so that we can enjoy and spend a happy weekend *( instead of full of anxiety weekend)... and in just few days and at the incredible rate. It was soo good and soo quick and such a great rate, that I started to even doubt if its real. Its all real- best happiest experience with David and the team. Huge thank you. It goes in a bucket of happy memories.
Posted on Google Google
H Coops
593 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Excellent service from start to finish with Liquid Expat! Vanessa and Ian made the process of buying a property in the UK while living abroad completely seamless. Their communication has been outstanding, always responding promptly to any queries we had and keeping us informed every step of the way. Highly recommend their professional and efficient team.
Posted on Google Google
Bally Binji
636 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
An incredible service offered by Liquid Expat Mortgages. David Mowatt totally 'saved my life' with the practical advice and guidance he gave me. He called me within 10 mins of me uploading my details and immediately started to give ideas on what I could try. He then even suggested contacting my existing provider and asking for a 6 Month Payment holiday - which they then granted! I cant thank you enough David for such a gracious, self less act. I shall have no hesitation to recommend your services and come back for any mortgage assistance in the future.
Posted on Google Google
Paula Fielding
726 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Absolutely top class and very professional service from Philip Clarke and Vanessa Govender with a real personal touch. Both have been extremely helpful, efficient, kind and courteous and have really put me at ease and done their absolute best to help me attain a mortgage. I hugely appreciate their efforts and assistance and highly recommend them both for recognition in their company and to anyone seeking an expat mortgage.

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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