Family & Residential UK Remortgages for Expats

In simple terms a UK expat residential remortgage involves switching your current mortgage to a new deal. This can be with your existing lender or with a new one. As a current home-owner you can use an expat residential remortgage to release equity or secure a more favourable mortgage rate.

Liquid Expat Mortgages can also help you remortgage your residential property into a buy-to-let, allowing you to rent it out while you’re abroad. With the largest panel of UK residential mortgage lenders of any expat broker, we can secure you the best remortgage deal for your personal circumstances and needs.

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

Speak with one of our UK Residential Remortgage expert advisers today.

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UK Expat Residential Remortgages

The benefits of Remortgaging

Many home-owners like the idea of taking advantage of an expat residential remortgage for a number of reasons. Some can save money on their current mortgage rates, others may want to raise money to make home improvements or consolidate debts. Often remortgaging is a much more cost effective way of raising money.

Other borrowers with tracker mortgages can also take up new expat residential remortgage products with fixed monthly repayments so they could potentially avoid any increase in interest rate rises.

Whether you want the best remortgage rates or are simply looking for more information, our brokers have many years’ experience in sourcing finance for expats and foreign national clients and can advise accordingly.

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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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UK Expat Residential Remortgage Case Studies

Learn how our team at Liquid Expat Mortgages has helped expats and foreign nationals living overseas secure UK residential remortgages despite facing difficult or complex circumstances.

VIEW MORE CASE STUDIES
Case Study – 1.9% 5 Year Fixed-Rate Expat Residential Remortgage

Read this great case study on how Liquid Expat helped a British expat in Abu Dhabi secure a 1.9% 5 year fixed-rate UK expat residential remortgage at 80% LTV.

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Case Study – 1.85% 3 Year Fixed-Rate Residential Remortgage

Read this great case study on how Liquid Expat helped a British expat in the Gulf secure a 1.85% 3 year fixed-rate UK expat residential remortgage at 85% LTV.

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Case Study – 1.7% 5 Year Fixed-Rate Expat Residential Remortgage

Read this great case study on how Liquid Expat helped a British expat in Singapore secure a 1.7% 5 year fixed-rate UK expat residential remortgage at 80% LTV.

Read more
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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.

expat residential mortgage testimonial

­ Many thanks to all the guys at Liquid Expat and the support they gave us to buy our new property. We’d tried our bank for a residential mortgage and wasted so much time that we actually lost our first choice property, let alone the hassle, time and money as we had to provide documents and information from Dubai. We were pretty dubious we could get a mortgage when we came to speak to Liquid, but we quickly saw how you worked for us and we were always available to answer our questions. We’ve now got a new home and will be moving back to Sheffield from Dubai in the next 2 weeks to settle back into the UK.

Stephanie & Colin / UK Expats in Dubai
expat residential mortgage testimonial

­ I first contacted Liquid Expat in June 2020 as I was looking at a property in Manchester or Salford as my son was looking to study at one of the two universities. Liquid were not only able to offer great insight into the city itself but they offered a number of residential expat mortgage options. They remained professional throughout and aware of the needs of expats looking for mortgages in the UK. I would recommend Liquid Expat to anyone looking for a UK expat residential mortgage as they sorted my needs out quickly and saved me time and money as they organised notaries in Abu Dhabi and UK solicitors as well.

S. Marchant / UK Expat in Abu Dhabi
expat residential mortgage testimonial

­ John and his team of Cantonese and Mandarin speaking mortgage advisers were great. I enquired about a residential expat mortgage as my parents wanted to buy a house in the UK. Although I speak English to a good standard my parents were encouraged that they could also communicate with Liquid Expat as and when they wanted to. Despite the time differences they kept in touch and we always knew that they had colleagues in Hong Kong ready to help. We just completed on a house near Manchester city centre. I would highly recommend Liquid Expat Mortgages to all foreign nationals looking to buy in the UK.

Yi Lau / 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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