HMO Mortgages For Expats - Get A Quote

HMO Mortgages for Expats, Landlords & Investors

Investors are utilising HMO Mortgages for expats, landlords & buy-to-let investors as house and rental prices soar with property demand growing. There are many types of UK properties suitable with HMO Mortgages for expats such as Student Accommodation, House or Flat share, Bed sits and even mixed accommodation units with commercial elements.

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Liquid Expat Mortgages has been providing HMO Mortgages and Remortgages for expats and foreign nationals living overseas since 2007. Our highly experienced team of fully qualified mortgage advisers can help find the best deal for your personal needs and circumstances.

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Liquid Expat Mortgages is able to offer a wide range of products suitable for HMO Mortgages

As house and rental prices soar, demand for HMOs is growing – especially from young professionals in major cities such as London, who see house sharing as a way to reduce the burden of rental costs.

As a Landlord or Buy-to-Let investor there has been no better time to obtain a HMO Mortgage for Expats as interest rates are historically low and the widest range of products.

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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

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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HMO Mortgage Case Studies

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

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Case Study – UK HMO Mortgage for Expats in Australia

Read this great case study on how Liquid Expat Mortgages helped a couple of British expats living in Australia secure a HMO mortgage in the United Kingdom.

Case Study – Student HMO Mortgage for British Expat Landlord

Read this great case study on how Liquid Expat Mortgages helped a British expat living in Dubai secure a HMO mortgage for students in the United Kingdom.

Case Study – UK HMO Mortgage for a Foreign National in Hong Kong

Read this great case study on how Liquid Expat Mortgages helped a Foreign National in Hong Kong secure a HMO mortgage in the United Kingdom.

HMO Mortgages – Frequently Asked Questions

What are HMOs exactly & why are they so popular with investors?

A property is classed as a HMO (House in Multiple Occupation) when it has at least three tenants who are not from the same ‘household’, but who share the bathroom, kitchen and other facilities. In short, the tenants aren’t relatives or in a relationship, but they live together. HMO yields can be significantly higher than that of traditional BTL properties – often by about three times and this gap is growing.

According to Multi-Let UK, the average gross return has increased by 18-20% over the last five years, compared to 6-8% for standard BTL properties. This is why there has been a substantial increase in demand for HMO mortgages for expats.

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I’m currently living abroad. Can I a get a HMO Mortgage?

The simple answer is yes. To understand the options available to you, speak with a specialist broker who can help with a HMO Mortgage for expats.

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How do I know if I can obtain a HMO Mortgage for Expats?

All expat mortgages are subject to stricter criteria than traditional BTL mortgages, and this is no different where HMO Mortgage for Expats is concerned. If you are looking to secure an investment it is vital to secure an Agreement in Principle for your HMO Mortgage this avoiding any potential pitfalls in the buying process. Working with the No 1 expat mortgage broker, Liquid Expat Mortgages will offer security and peace of mind throughout the whole process.

Whatever your overall plan is, our mortgage managers can help you understand the options available to you.

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As an Investor how can I utilise a HMO Mortgage?

HMO mortgages for expats can be used for a variety of HMO requirements such as;

Property refurbishment mortgages
Purchasing an already Licenced HMO
Converting a previously unlicenced HMO into a licensed HMO.
HMOs above retail premises
Student let property

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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.

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.

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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! ❞

C.G. / UK Expat living in Saudi Arabia

❝ 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

❝ 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.

      
 4.7
 4.7
 Top Rated Service 
   Verified by Trustindex  Trustindex verified badge is the Universal Symbol of Trust. Only the greatest companies can get the verified badge who has a review score above 4.5, based on customer reviews over the past 12 months. Read more
 
 
 
 
 
   
 
 
      Posted on Google  
  
 
   Safina Saddique 
 51 days ago
 
 
 Trustindex 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  
  
 
   Leonarda and Callum H.C 
 149 days ago
 
 
 Trustindex verifies that the original source of the review is Google. 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  
  
 
   Heather Mitchell 
 237 days ago
 
 
 Trustindex 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  
  
 
   Tony M 
 273 days ago
 
 
 Trustindex verifies that the original source of the review is Google. 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  
  
 
   Peet Kok 
 279 days ago
 
 
 Trustindex 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  
  
 
   Hailey Luk 
 442 days ago
 
 
 Trustindex 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  
  
 
   Optimistic 
 471 days ago
 
 
 Trustindex 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  
  
 
   H Coops 
 593 days ago
 
 
 Trustindex 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  
  
 
   Bally Binji 
 636 days ago
 
 
 Trustindex 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  
  
 
   Paula Fielding 
 726 days ago
 
 
 Trustindex 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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