Second Charge Mortgages for UK Expats & Non-UK Residents

Many customers looking to release capital or equity in their property prefer a second charge as opposed to a remortgage. With a second charge mortgage, the second lender takes second priority to the first lender. This means if the property ever needs to be sold, the first lender will have first call on equity in the property. This option can allow you to avoid the often-costly process of re-mortgaging. If you sell your home, you’ll need to pay off your second charge mortgage. Or, if your lender allows it, transfer the second mortgage to a new property.

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Our team of experienced expat mortgage specialists can simplify the process of finding and securing a second charge mortgage for a property in the UK – without you even needing to set foot in the country.

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Second Charge Mortgages

How do UK Expats use a Second Charge?

Many UK expats tend to utilise second charge mortgages for;

  • Business purposes
  • A deposit for an additional property purchase
  • To transfer equity
  • To purchase a lease on a property

Why take out a Second Charge?

  • If your current mortgage has a high early repayment charge, it might be cheaper for you to take out a second charge mortgage rather than to remortgage to release equity from your property.
  • A second mortgage means you would only pay extra interest on the new amount you want to borrow.
  • Second charge Mortgages can provide a fast, cost-effective means of secured borrowing. Without the need for extensive legal requirements, or lengthy conveyance process.
  • If you don’t have a strong credit footprint in the UK as you have been working and living abroad.
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When should you consider a Second Charge Mortgage?

Many UK Expats or Foreign Nationals with a UK property wants to release equity from a property quickly and without recourse to remortgaging tend to be:

  • Self-employed.
  • Don’t have a strong credit footprint in the UK as they have lived or worked abroad for many years.
  • Need to raise capital for a purpose not accepted with standard high street.
  • Or their current UK mortgage has Early Redemption Clauses – or a penalty to remortgage
  • Is an Interest Only mortgage so that changing to a repayment mortgage could be more costly.
  • If the customer has a Bank Base rate Tracker and the current rate is so low that it cannot be matched or beaten.
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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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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.

HMO Mortgages for Expats testimonial

­ 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 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
HMO Mortgages for Expats testimonial

­ 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 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
HMO Mortgages for Expats testimonial

­ Thanks to Liquid Expat Mortgages for assisting us in getting our 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.

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.

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