Enhance Your Mortgage Approval Odds

Navigating the mortgage landscape as a seafarer poses unique challenges. Whether you’re on a yacht, tanker, container ship, or cruise liner, the demands of your profession can complicate the mortgage application process. Prolonged periods at sea make it difficult to visit your bank or provide the necessary documentation promptly.

Moreover, many lenders are hesitant to extend mortgages to individuals not consistently based in the UK or those with a transient lifestyle. This perceived higher risk, combined with factors like the Seafarers Earnings Deduction (SED), which, while advantageous for tax reduction, may limit the consideration of your full earnings, can turn securing a mortgage into a daunting task—especially if you’re paid in a foreign currency or employed by a non-UK company.

That’s where we can help…

At Liquid Expat Mortgages, we understand the frustrations faced by seafarers denied mortgages due to their occupations, despite having stable incomes and low monthly expenses. Recognising the difficulties faced, we’ve developed a tailored solution to guide individuals like you through the complexities of the UK mortgage market.

Understanding that mainstream banks might not be your ally, we’ve established partnerships with numerous specialist mortgage lenders who have a long proven history of working with seafarers and offshore professionals. This strategic collaboration allows us to work with you to secure your mortgage quickly. 

Additionally, our team is geared to handle all administrative tasks and paperwork on your behalf, ensuring that your mortgage application progresses smoothly even if you spend extended periods abroad. Don’t let your profession hinder your dream of homeownership or property investment, let us be your trusted partner in achieving your financial goals.

Speak with a UK Seafarer Mortgage expert adviser today.

Call +44 161 871 1216

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Seafarer Mortgages

Why Choose Liquid Expat Mortgages?

Specialised Expertise: Our team of seasoned mortgage professionals specialises in securing mortgages for seafarers working abroad. We comprehend the unique financial dynamics faced by seafaring professionals, including earning in foreign currencies and the absence of a conventional UK tax or credit footprint.

Extensive Network: Having cultivated an extensive network of lenders with a profound understanding of the challenges faced by those working abroad, we can explore a diverse array of mortgage options. This enables us to secure mortgages tailored to the distinctive financial situations of seafarers.

Tailored Solutions: Recognising that seafarers often lack a traditional UK credit or tax history, our commitment is to provide bespoke mortgage solutions. Whether you’re a seasoned maritime professional who’s invested or purchased previously or a first-time homebuyer, we tailor our approach to align with your specific circumstances.

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Seafarer Mortgages

How we work:

Comprehensive Consultation: Our process begins with a comprehensive consultation to understand your unique financial circumstances, the nature of your work abroad, and your mortgage goals. This in-depth understanding allows us to customise our approach and recommend mortgage products that fit your specific needs.

Access to Exclusive Deals: Through our well-established relationships with lenders experienced in working with clients earning foreign income, we can access exclusive mortgage deals that may not be readily available elsewhere. This provides you with a competitive advantage in securing favourable terms and rates.

Streamlined Application Process: Navigating the mortgage application process can be challenging for those without a conventional UK credit or tax footprint. Our experts guide you through each step, ensuring a streamlined and efficient application process, from pre-approval to closing.

Benefits of Choosing Liquid Expat Mortgages: Accommodating Foreign Income: We understand the complexities associated with earning in foreign currencies. Our goal is to secure a mortgage that accommodates your unique income structure, providing you with financial flexibility and peace of mind.

No UK Tax or Credit Footprint? No Problem: Seafarers often lack a traditional UK tax or credit footprint. With Liquid Expat Mortgages, this is not a barrier. We have proven expertise in working with clients in similar situations. We have the knowledge and know how to ensure that your lack of a conventional footprint does not hinder your homeownership aspirations.

Peace of Mind: Liquid Expat Mortgages is FCA regulated working exclusively with Expats and Foreign nationals who have very different needs from traditional mortgage seekers. You can rest easy knowing that you have a dedicated partner committed to overcoming the challenges specific to seafaring professionals, turning your aspirations of owning property into a reality.

Contact Us Today

Ready to embark on your homeownership journey, even with the complexities of working abroad and earning in foreign currencies? Contact Liquid Expat Mortgages today for expert guidance and personalised solutions tailored to seafarers. Let us navigate the mortgage process together, making your dream home a reality.

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Seafarer Mortgage Case Studies

Learn about how our expert team helped expats and foreign nationals attain Seafarer Mortgages in the United Kingdom, despite difficult or complex circumstances.

VIEW MORE CASE STUDIES
Overcoming Tax Deduction Challenges
Case Study – Overcoming Tax Deduction Challenges

Read this great case study on how Liquid Expat Mortgages helped a yacht captain benefiting from Seafarers’ Earnings Deduction to secure a UK mortgage.

Read more
10
Nov
Navigating Mortgage Approval From Afar
Case Study – Navigating Mortgage Approval From Afar

Read this great case study on how Liquid Expat Mortgages helped a cruise ship purser secure a UK mortgage for a 2-bed apartment in Surrey.

Read more
11
Oct
Sailing Towards Homeownership
Case Study – Sailing Towards Homeownership

Read this great case study on how Liquid Expat Mortgages helped a merchant seaman secure a mortgage for his first UK property.

Read more
05
Sep
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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.
Speak To A Mortgage Consultant Speak to a Mortgage Consultant

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.

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 in Israel
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
Buy to Let Mortgages for Expats testimonial

­❝ I would like to commend the excellent support we received 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 in Portugal
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Liquid Expat Mortgages Reviews

Read reviews left by our clients on Google.

 
 
 
  Excellent  
    
 Based on 171 reviews 
  
 
 
 
 
 
 
  
 
 
 
 Ellen Stokes 
 
 
 Ellen Stokes 
 
2023-12-27
 
 
  
We came back to the UK in July 2022 after almost 20 years abroad and discovered that, as an "expat", borrowing for a new home is very difficult.  Liquid Expat made it possible and we have just moved into our new home.  They are specialists in the field and we would recommend them to all expats needing a mortgage.
  
 
  
 
 
 
 Tania Tulen 
 
 
 Tania Tulen 
 
2023-10-14
 
 
  
Excellent communication and great service. Explained the process every step of the way and were always responsive by email and whatsapp. Thank you!
  
 
  
 
 
 
 David Hasdell (Wingaroo) 
 
 
 David Hasdell (Wingaroo) 
 
2023-09-22
 
 
  
Great process from start to finish - from knowledge of the market and carefully tailoring products to suit our needs, and then super-efficient assistance right through the whole application process.
  
 
  
 
 
 
 Jonathan LH 
 
 
 Jonathan LH 
 
2023-09-14
 
 
  
Liquid Expat are superb. They were fast, professional and went the extra mile to help us secure our mortgage. And I had a TRICKY case for them (British citizen living in Zambia and purchasing in the UK) bit they managed to get it solved. Total rock stars, all of them
  
 
  
 
 
 
 Catherine Chan 
 
 
 Catherine Chan 
 
2023-08-05
 
 
  
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 
 
2023-07-19
 
 
  
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 
 
2023-06-27
 
 
  
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 
 
2023-06-21
 
 
  
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!

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