Specialist Expat Mortgages in the United Kingdom

If you’re a British expat or non-UK resident looking to purchase or remortgage a property in the UK, you may not be able to talk to your bank as many do not cater for Expat mortgages. You might also think that it can be time consuming, stressful, and expensive. It’s true that trying to obtain a UK mortgage can be complicated at the best of times, but with the right experience and expertise it can be quite straightforward to obtain a UK mortgage.

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

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UK Expat Mortgages

We can help you with your UK property purchase

The UK property market has a global reputation for stability. So, for many UK expats, it’s only natural to want to hold on to their UK property – even once they’ve moved abroad.

Many UK expats and Foreign nationals buy property as a form of investment. However, with the customer living abroad it can add an additional layer of complication when it comes to finding a mortgage. This is where a specialist expat mortgage broker can help and indeed comes into their own.

Using our extensive lender network and drawing on our many years of experience assisting UK expats we can help you find your ideal mortgage or remortgage.

Learn more about all the different specialist expat mortgages we can help you with.

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Specialist Expat Mortgages

EXPAT REMORTGAGE

We can source the perfect expat remortgage or refinance product for your specific property requirements, whether for residential or buy-to-let purposes.

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RESIDENTIAL EXPAT MORTGAGE

Ideal for when you are planning to return from living abroad and want a new home in the UK, or when you need a UK property for your family to live in.

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BUY-TO-LET EXPAT MORTGAGE

Ideal for when you want to rent out a UK property. Take advantage of historically low interest rates and invest in the UK’s historically stable property market.

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FIRST TIME BUYER EXPAT MORTGAGE

We can help you get your foot on the UK property ladder. We’ll guide you through purchasing a UK property for the first time while you live and work abroad.

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HOLIDAY LET EXPAT MORTGAGE

Take advantage of the growing UK Holiday Let market which has attracted many overseas investors who are attracted to the British countryside and coastal areas.

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HMO EXPAT MORTGAGE

Liquid Expat Mortgages has helped overseas landlords to build up HMO (Houses of Multiple Occupation) property portfolios with our range of Expat HMO mortgages.

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HIGH VALUE EXPAT MORTGAGE

We can help with high value mortgages (over £1 million) in the UK, suitable for high net worth (HNI) individuals who live and work abroad.

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UK LIMITED COMPANY MORTGAGE

By setting up a trading limited company to hold your property or properties you can take advantage of a wide range of mortgage products.

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OFFSET EXPAT MORTGAGE

Get an offset mortgage to use your savings so that you only pay interest on the difference between your savings and the money that you owe.

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PRIVATE BANK EXPAT MORTGAGE

Our range of private banks and lenders will often offer more competitive mortgage deals to parties borrowing large sums of money.

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SECOND CHARGE EXPAT MORTGAGE

Many of our customers looking to release capital or equity in their property prefer using a second charge mortgage as opposed to a remortgage.

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SELF-EMPLOYED EXPAT MORTGAGE

UK expat mortgages and remortgages specially tailored to suit self-employed individuals or contractors who live and work abroad.

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Bridging Finance

Bridging Finance is a short-term lending solution that provides the necessary funds to purchase property quickly when traditional mortgages may not be readily available. It bridges the financial gap until a more permanent financing solution, such as a mortgage, can be arranged.

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Consent to Let Mortgages

A Consent to Let mortgage is a type of mortgage that allows homeowners who find themselves in unique circumstances, to rent out their primary home for a specified period, while still maintaining their mortgage agreement with the lender.

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Joint Borrower & Sole Proprietor (JBSP) Mortgages

A JBSP is a specialised arrangement allowing the pooling of income to meet affordability requirements with only one designated individual able to own the property.

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Seafarer Mortgages

Whether you’re on a container ship or cruise liner, the demands of your profession can complicate the mortgage application process. We understand the frustrations faced by seafarers and have developed a tailored solution to guide individuals like you through the complexities of the UK mortgage market.

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Sharia Compliant Mortgage Alternative Finance

Providers of Sharia Mortgage Alternative Finance do business according to a set of principles, derived from Islamic teachings, which encourage fair play and ensure that financial affairs are handled responsibly.

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英國僑民和香港國民的英國按揭

多年嚟,我哋成功幫助過千位香港人申請海外按揭貸款,無論係喺英國只有定居數月,定係喺英國定居香港收入,甚至住喺其他國家都一樣無問題。我哋仲有專為BNO持有人以設嘅按揭貸款計劃,浮動利率至低至5.8%。我哋亦同一間提供廣東話服務嘅律師行合作,以滿足您嘅需要!

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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 Mortgage Case Studies

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

VIEW MORE CASE STUDIES
Case Study: UK Expat in Dubai Secures Self-Build Mortgage with Liquid Expat Background

A great case study on how Liquid Expat helped a UK Expat living in Dubai to secure a self-build mortgage in the United Kingdom.

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Case Study – UK Expat Couple Successfully Navigates Property Purchase

A great case study on how Liquid Expat helped a couple living in Singapore to successfully navigate a property purchase in the UK.

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Case Study: UK Expat in Australia Secures Self-Build Mortgage with Liquid Expat

A great case study on how Liquid Expat helped a UK Expat living in Australia to secure a self-build mortgage in the United Kingdom.

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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’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 United Kingdom.

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

­ I first contacted Liquid Expat Mortgages in June 20 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 remained professional throughout. I would highly recommend Liquid Expat Mortgages 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

­ I enquired about a 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. 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.

Get a free quote