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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.
Get a free UK Expat Mortgage quote today
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.
Speak with one of our UK Expat Mortgage expert advisers today.
Call +44 161 871 1216
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.
Learn MoreRESIDENTIAL 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.
Learn MoreBUY-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.
Learn MoreFIRST 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.
Learn MoreHOLIDAY 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.
Learn MoreHMO 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.
Learn MoreHIGH 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.
Learn MoreUK 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.
Learn MoreOFFSET 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.
Learn MorePRIVATE BANK EXPAT MORTGAGE
Our range of private banks and lenders will often offer more competitive mortgage deals to parties borrowing large sums of money.
Learn MoreSECOND 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.
Learn MoreSELF-EMPLOYED EXPAT MORTGAGE
UK expat mortgages and remortgages specially tailored to suit self-employed individuals or contractors who live and work abroad.
Learn MoreBridging 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.
Learn MoreConsent 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.
Learn MoreJoint 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.
Learn MoreSeafarer 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.
Learn MoreSharia 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.
Learn More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
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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.
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We can talk you through the process on how best to present your mortgage application.
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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.
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
Remortgage for Home Improvements: A Guide for UK Expats and Foreign Nationals.
Understanding How to Remortgage. To remortgage means switching an existing mortgage to a new lender or product. Not only can this secure a better interest rate, but it can release equity from an investment property. Additional borrowing involves borrowing extra funds with the current lender against the property’s equity. ‘Both...
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18
Jun
Jun
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.
Read more
17
May
May
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.
Read more
28
Apr
Apr
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.
Liquid Expat Mortgages Testimonials
Hear from some of our clients about their experience with Liquid Expat Mortgages.
❝ 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. ❞
❝ 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. ❞
❝ 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. ❞
Liquid Expat Mortgages Reviews
Read reviews left by our clients on Google.
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