Make the most out of your savings with an Offset Mortgage

In recent years, many borrowers have taken advantage of highly competitive discounted or short-term fixed rates. An offset mortgage allows any savings you hold to “offset” against your mortgage. In this way you can you can reduce the interest you pay on the net balance. A savings account is set up alongside your mortgage, and the money in the account is ‘offset’ against the mortgage. So a £150,000 mortgage with £30,000 savings would mean you’d only pay interest on £120,000!

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Expat offset mortgages can offer flexibility, tax efficiency, and help customers best use their income, for example those that earn annual bonuses. Offset mortgages offer an alternative to poor savings rates.

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Why British Expats Love Offset Mortgages

A popular investment strategy for British Expats is to buy property in the UK. An offset mortgage designed for expats can help you take advantage of a growing housing market and prove to be a long term valuable investment opportunity.

Expat offset mortgages are designed to assist expatriates looking to purchase properties in the UK with flexibility and tax efficiency. It can help maximise incomes, for example those that earn annual bonuses.

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Use our free online offset mortgage calculator to see how your savings could reduce your expat mortgage term or monthly payments. For example, a £150,000 mortgage with £30,000 savings means you would only pay interest on £120,000.

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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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Offset Mortgage Case Studies

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

VIEW MORE CASE STUDIES
Case Study – UK Expat Buy-to-Let Mortgage for British expat couple

Read a great case study on how Liquid Expat Mortgages helped a UK National living in Amsterdam to attain a Buy-to-Let Mortgage in London, UK....

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Case Study – Buy-to-Let Mortgage for UK Expat based in Australia

Read a great case study on how Liquid Expat Mortgages helped a UK expat living in Sydney to gain a foothold on the London property market....

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Case Study – Landlord Expands BTL Portfolio Through SPV Company

Read a great case study on how Liquid Expat Mortgages helped an experienced landlord expand their Buy-to-Let Portfolio through the creation of a SPV Limited Company....

Read more
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Offset Mortgages – Frequently Asked Questions

Yes you can. We have over 13 years experience in helping UK expats and foreign nationals switch their current expat offset mortgages to a new deal.

As a current homeowner you may want to consider taking this step for a number of reasons, such as saving money, raising money, making home improvements or simply moving to a better, longer term fixed rate whilst utilising your savings which at this moment in time will more than likely be receiving a poor return rate of interest.

You can withdraw your savings at any point to make other investments as you see fit.

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We often deal with customers with irregular income streams, i.e. self-employed, contractors, sea farers, shareholders or partners and directors.

We have special access to over 45 British lenders who can arrange deals with private banks and expat offset mortgage providers not readily available on the High Street, and there are no upper limits on offset mortgages but many of whom require bespoke expat offset mortgages products to meet with your unique situation and needs.

Not only can we arrange a choice of lenders for your, but we’re on hand to assist with your application as well as the processes and legal requirements involved.

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Yes we can. Our qualified mortgage advisers are available 24 hours a day to help you with any questions you may have about your expat offset mortgages.

Our experienced staff is also on hand to help with your expat mortgage application in general.

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An expat offset mortgages is an effective way of paying down your mortgage through savings whilst still having instant access to your savings for as long as you keep your Offset mortgage.

For example, on a £250,000 mortgage loan you can reduce your mortgage repayments by over £21,000 using £25,000 in savings (based on a 4.25% term over 20 years). That’s without overpayments!

Try our offset mortgage caluclator here

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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.

Buy to Let Mortgages for Expats testimonial

­ I would like to thank you and the other behind the scenes staff at Liquid Expat for all your professional help with obtaining a mortgage for us which enabled us to make the purchase of this buy to let property.

Ephram / UK Expat living in Israel
Buy to Let Mortgages for Expats testimonial

­ I would like to commend the excellent support we received from Claire in our recent recent buy to let remortgage application which proceeded faster than we could have hoped. She kept us fully in the picture throughout.

R. Green / UK Expat living in Portugal
Buy to Let Mortgages for Expats testimonial

­ Buying a property overseas is not a stress free process, but Liquid Expat Mortgages has been instrumental in reducing my level of stress and ultimately securing a mortgage lender for me in the United Kingdom.

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

Read reviews left by our clients on Google.

Excellent
Based on 162 reviews
James Varley
James Varley
2023-06-06
Always a pleasure to deal with Liam, Claire and the team. A great option for British expats.
Niamh Sheehy
Niamh Sheehy
2023-05-30
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
2023-05-29
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
2023-05-16
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
2023-05-15
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
2023-04-15
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
2023-04-14
Excellent and very professional service. Great customer care
Kayleigh Hutchison
Kayleigh Hutchison
2023-04-13
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
2023-04-13
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
2023-04-09
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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Speak with our expat offset mortgage experts!

Call +44 (0)161 871 1216

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