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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Offset Mortgage Calculator

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.

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.

Based on 168 reviews
Catherine Chan
Catherine Chan
Thank you so much to Rebecca and Fatgiya. They are absolutely professional in guiding me throughout the whole application. It was super struggle to answer thousands of questions from the lender but Fatgiyi help me solve them one by one. They definitely deserve a 5 stars!
Tracie Harrington Hodges
Tracie Harrington Hodges
After an initially shakey experience with a staff member who subsequently left Jae came in like a super hero and helped me to get this deal done. I have been having an immense amount of trouble with my own legal representation (!!!!) and Jae has been the guiding light.
Matt Jones
Matt Jones
We're really pleased with the service provided by Liquid Expat - right from the first conversation through to completion - every step has been managed really professionally and the team have helped us through the process. Thanks to Claire and Liam especially for all your support - I have no hesitation in recommending their services.
Sikar Chan
Sikar Chan
Liquid Expat helped a lot in providing mortgage service and guidance throughout the process. Their response time to my email is super fast! I will use their service again and recommend to my friends and family. Excellent!
Martin Scudder
Martin Scudder
We had just recently returned back to the UK from New Zealand and faced a number of challenges buying a property back in the UK. Claire provided excellent guidance and assistance in arranging our mortgage, minimising the hassle and bureaucracy and got us a really good deal, particularly against the current economic climate. We also faced a number of challenges when our house purchase didn't materialise and waived the additional fee which was a great help financially. I would go through Liquid Expat Mortgages and again when the time comes to re-arranging our next mortgage and would very much recommend them. Thanks to both Claire and Liam.
Andrew Schildbach
Andrew Schildbach
Had great help from the team (Claire, Liam & Co) at Liquid Expat who have been able to secure the offer after the bank had suspended all new mortgages. During the application process the team was always accessible on short notice on multiple occasions to assist and push the process along. Thank you Liquid Expat!
James Varley
James Varley
Always a pleasure to deal with Liam, Claire and the team. A great option for British expats.

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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