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!
Get a free Offset Mortgage quote today
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.
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.
Try our Offset Mortgage Calculator
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.
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.
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
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.Get a quote
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.Get a quote
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.Get a quote
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!Get a quote
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.
Our mortgage consultants are available on the end of the phone or email, as and when you need us.
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.
Liquid Expat Mortgages have successfully completed thousands of mortgages and remortgages for expats and foreign nationals since 2007.
Our expert mortgage consultants are fully qualified with extensive UK Mortgage market knowledge.
We work quickly, without jargon, to make things happen within your time frame and around your time zone.
Liquid Expat Mortgages Testimonials
Hear from some of our clients about their experience with Liquid Expat Mortgages.
❝ 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. ❞
❝ 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. ❞
❝ 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. ❞
Liquid Expat Mortgages Reviews
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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.Get a free quote