Contractor & Self-Employed UK Expat Mortgages

If you work overseas on a self-employed or contractor basis you may find it difficult to locate a lender willing to offer you a UK mortgage or remortgage at a favourable rate. Liquid Expat Mortgages specialises in finding the best possible UK mortgage deal for expats and foreign nationals who work as contractors or are self-employed professionals.

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Our team of fully-qualified expat mortgage specialists can simplify the process of finding and securing a UK mortgage for contractors and self-employed expats – without you even needing to set foot in the country.

Speak with one of our UK Expat Mortgage expert advisers today.

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Self Employed Mortgages

Why do Expats who are Contractors or Self-Employed struggle to get a UK Mortgage?

Liquid Expat Mortgages recognised early on that many contractors and self-employed expats found it difficult to obtain UK mortgages. This was mainly because they were “off payroll” and as such it was often difficult for lenders to verify their income. Add to this the fact that they work offshore- not in the UK, then it’s easy to see how many contractors and self-employed individuals found it hard to obtain mortgages.

In many cases working as a contractor means you earn more in comparison to a permanent employee in a similar role. A contractor’s specialist skills means that contractors are not part of a company’s headcount or overhead, and as many of them work on short term contracts, they are not entitled to employee benefits.

You can be classed as self-employed if you have more than a 20% share of the business from which you get your main income. You could be a sole trader, a partner or director, or a contractor who has set up a limited company. They have been previously penalised by lenders as they did not have a “full time position” or the fact they could not always provide payslips because of the way they operated and declared income.

However, the changing face of the job market has caused lenders to re-assess their stance when lending to Contractors and the self-employed. Their skills are in high demand with employers, and there are very few, if any, gaps in their contracts with employers.

When many high street banks in the UK see a foreign address or foreign currency on an application form, they usually say no to a mortgage application. Over the years Liquid Expat Mortgages has built up substantial relationships with lenders to help develop products with contractors and self-employed in mind.

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Liquid Expat Mortgages can help you avoid penalties for mortgage payments paid in a foreign currency

Lenders can often view people who are paid in a foreign currency as a greater risk. Because of this they can sometimes convert your foreign salary using a spot rate or they can take an average of currency fluctuations over 5 or 10 years to allow for variations in the exchange rate.

Liquid Expat Mortgages can help you with lenders who have experience in working with Contractors and Self-Employed customers. As such they can provide competitive rates without penalising them and offer products which allow you to buy or remortgage your UK property.

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International Money Transfers
Other options

Can Contractors and Self-Employed Expats invest in the UK property market?

Yes, and Liquid Expat Mortgages can do far more for self-employed professionals and contractors looking to invest in the UK property market than just secure a fantastic mortgage deal.

Our team can share with you the latest off-market developments within the UK as we have built up an array of reciprocal partners who work with us in providing mortgages to some of their expats and foreign national investors.

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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.
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Contractor & Self-Employed UK Mortgage Case Studies

Learn how our team has helped expats and foreign nationals secure contractor and self-employed mortgages or remortgages in the United Kingdom, despite difficult or complex circumstances.

Case Study – Self-Employed Interest Only Buy-To-Let Mortgage

Read this great case study on how Liquid Expat Mortgages helped a self-employed foreign national working in South African to secure a UK interest only buy-to-let mortgage.

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Case Study – Contractor UK Remortgage for British Expat in the UAE

Read this great case study on how Liquid Expat Mortgages helped a British contractor working in the UAE to secure a UK expat remortgage.

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Case Study – Residential Mortgage For UK Expat Business Owner

Read this great case study on how Liquid Expat Mortgages helped a British Expat business owner working in Canada to secure a UK residential mortgage.

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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 171 reviews
Ellen Stokes
Ellen Stokes
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
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)
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
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
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!

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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