Liquid Expat Mortgages

Get a FREE quote for a UK Expat Mortgage or Remortgage

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.

FREE UK Mortgage pre-approval in under 24 hours

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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Liquid Expat Mortgages

Get a FREE quote on a UK Expat Mortgage or Remortgage

Liquid Expat Mortgages has been providing expat mortgages since 2007.

Our many years of experience and relationships built up with lenders during that time means that we can find the very best mortgage for your needs.

Get a free quote (D&T) Get a free quote

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Buy-to-Let Mortgage
Invest in the UK Market
Residential Mortgage
For you or your family
Remortgage
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Specialist Mortgages
High Value, HMOS & More

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Liquid Expat is your Specialist Expat Mortgage Broker

Liquid Expat Mortgages are specialists in providing UK Expat Mortgages, Non-UK Resident Mortgages and Foreign National Mortgages for property in the United Kingdom.

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.

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Whether for family, buy-to-let or investment purposes, we can help you find the best deal for your circumstances.

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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 Mortgages Reviews

Read reviews about Liquid Expat Mortgages left by our clients on Google.

Based on 146 reviews
Isobel Hanning
Isobel Hanning
2023-01-18
We were very happy with Liquid Expat Mortgages. After living in Spain and hoping to buy a U.K. property we were advised by most that we wouldn’t qualify for a U.K. mortgage. Never the less LEM said they could help and we were supported from start to finish with a good mortgage offer on the table. Liam and Claire were fantastic throughout the whole experience and never hesitated to offer advice and support as we needed. We can’t thank them enough for all their help and time spent with us even to the end where Claire was helping our solicitor to ensure all would go through on completion day with the lender. Our solicitor was also recommended by LEM and was also fantastic. Our sale completed smoothly on the day and with no issues. I wouldn’t hesitate to recommend. Thank you again for everything.
Red Panda
Red Panda
2023-01-10
We have been using the services of Liquid Expat for over six years and cannot recommend them enough. The level of broker professionalism, expat mortgage knowledge, and, most of all--transparent communication--is exceptional. As expats, it's even more challenging trying to maneuver the requirements and products in the UK market; additionally, the current climate has made it even more difficult. Liquid Expat will help you with this! To give some shoutouts--John Squires is always our first point of contact, helping to identify the best products available, and his knowledge speaks for itself. Then there's the incredible duo of Claire Aspin and Liam Saul--they are absolutely brilliant. So patient, thorough, and attentive to all of the details that any non-trained eye might miss. Claire and Liam were invaluable to our recent remortgage. We have, and will continue to, recommend Liquid Expat to anyone seeking the highest level of expat mortgage advice. Thank you!
Poonam Thakkar
Poonam Thakkar
2023-01-04
Really good experience working with the team! Claire and Liam were very attentive, supportive and accommodating. Really good service for expats living abroad.
Wesley George
Wesley George
2022-12-22
Nicole Gallagher of Liquid Mortgages was very professional and knowledgeable in sourcing a lender for me to re-finance my flat in London. she got me the offer letter from the bank by coordinating to obtain all the required documents in a very efficient manner. I was happy with the offer & how Nicole dealt wit my case and would recommend her to my friends and family. Nicole went above and beyond to assist me as a client, when we hit a road block due to solicitors not being in a position to complete in time before the finance offer expired. but Nicole worked tirelessly to obtain an extension on the finance offer to make the completion successful. this was impressive considering the interest rates were going up and a new offer would have costed me thousands of pounds more. Nicole is an asset to any organisation and highly recommend her ability and excellent customer service.
Ahsan Vohra
Ahsan Vohra
2022-12-20
The organisation is very good and professional. They are supportive from beginning to the end of the process.
Wahid Fazil
Wahid Fazil
2022-12-19
Hi. My mortgage application was handled by Ms Nicole Gallagher, and she was absolutely brilliant. Any questions I had were answered straight away with a full explanation. Throughout the process, I was kept in the loop and advised on the best course of action. Even my solicitor has praised Nicole for her efficency and super quick responses. On two occasions, the solicitor of the seller questioned my intention to buy the property. Nicole replied and defended me and set him straight. The email was so well written that I couldn't have said it any better myself. Professional but straight the point! Nicole is excellent at what she does and did a brilliant job in handling my application. She was very efficient and always replied to my emails straight away. I will definitely be recommending Liquid Expats to my friends and suggest they ask for Nicole to handle their application. If in the future we decide to buy another property, I will definitely be asking for Nicole and only to handle my application. I would like to take this opportunity to thank Nicole for all her guidance and support. Her attention to detail and her professional advice. I feel she went above and beyond in making me feel part of the process by keeping me informed at each stage. She is a credit to your company and has set the bar very high! Thank you Nicole. Wishing you all the best for the future. Mr Wahid Fazil 5 Fountain Park Westhoughton Bolton BL5

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 in Israel
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
Buy to Let Mortgages for Expats testimonial

­❝ I would like to commend the excellent support we received 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 in Portugal
Paul Testimonial

­❝ I have to say my experience with Liquid Expat Mortgages was positive from start to finish. The level of customer service I received from both John and Liam was simply outstanding, thank you! I will be in touch again soon. ❞

Paul / UK Expat in Saudi Arabia
N.T.O Testimonial

­❝ We would like to commend the excellent support we received from Liquid Expat Mortgages in our recent recent buy-to-let mortgage application, which proceeded faster than we could have hoped. Thank you so much. ❞

Nate / UK Expat in Spain
Sarah Testimonial

­❝ I just wanted to drop you a note to express my thanks for the work Liquid Expat Mortgages has done in helping me secure a formal mortgage offer for a residential property in Scotland, which is due to complete later this week. I will be sure to recommend you. ❞

Sarah / UK Expat in Hong Kong
Danielle Testimonial

­❝ I would just like to say a big thank you for putting up with a million questions from me about my first time buyer property purchase in the United Kingdom. ❞

Danielle / UK Expat in the USA
Pete Testimonial

­❝ Of the many companies we’ve had to deal with throughout our extended expat mortgage process, your proactive & positive attitude has set you aside from all the others and gratefully received! ❞

Pete / UK Expat in Dubai, UAE
Helen Testimonial Qatar

­❝ I just want to say a massive thank you for finding me a mortgage when I was really really struggling. You really are expat specialists! ❞

Helen / UK Expat in Qatar
Nira Testimonial

­❝ We are sending this message with sincere thanks to Liquid Expat for their brokerage services in helping us to secure our buy-to-let expat mortgage in the United Kingdom so quickly. ❞

Nira / Foreign National in Thailand
Kaleb Testimonial

­❝ I just wanted to say a big thank you to Liquid Expat for all their help over the last few weeks. It would have been impossible to do this purchase without your expert help and advice. ❞

Kaleb / Foreign National in the Bahamas
Sato Testimonial

­❝ Thanks for your great work. Very much appreciated. I can honestly say that it’s been good working with you and your team, you’ve made the difficult process very smooth. ❞

Sato / Foreign National in Hong Kong
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Expat Mortgage Calculators

Our free online mortgage calculators are designed to give you a better indication of how much tax you would need to pay and how much your mortgage payments would be using different interest rates, mortgage terms and overpayment options.

Try our other Mortgage Calculators

Discover your best UK mortgage interest rate

Liquid Expat Mortgages offer a free consultation if you would like to talk through your options and discover your best possible interest rate with one of our friendly expert mortgage advisers.

Mortgage Calculator
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UK Expat Mortgage Case Studies

Learn how Liquid Expat Mortgages has helped both expats and foreign nationals secure a wide range of mortgages in the United Kingdom, despite a client’s difficult or complex circumstances.

Private Bank Mortgage for a UK Expat Entrepreneur
Case Study – Private Bank Mortgage for a UK Expat Entrepreneur

Read this great case study on how Liquid Expat Mortgages helped a British Expat in Australia to secure a private bank mortgage for a property in London....

12
Dec
UK Limited Company Buy-To-Let Purchase for First Time Landlord
Case Study – UK Limited Company Buy-To-Let Purchase for First Time Landlord

Read this great case study on how Liquid Expat helped a British Expat in Dubai to set-up a UK SPV Limited Company and secure a buy to let mortgage....

07
Dec
Day One Buy-To-Let Remortgage of a flat Bought at Auction
Case Study – Day One Buy-To-Let Remortgage of a flat Bought at Auction

Read this great case study on how Liquid Expat Mortgages helped a landlord in France to remortgage a UK flat bought at auction onto a standard buy to let product....

01
Dec
High Value Buy-To-Let Mortgage For Swiss Nationals
Case Study – High Value Buy-To-Let Mortgage For Swiss Nationals

Read this great case study on how Liquid Expat Mortgages helped Swiss Nationals to secure a high value buy-to-let mortgage for a property in London....

20
Nov
Case Study - Multi-Unit Remortgage for Experienced Expat Buy-to-Let Landlords
Case Study – Multi-Unit Remortgage for Experienced Expat Buy-to-Let Landlords

Read this great case study on how Liquid Expat Mortgages helped a self-employed foreign national in the UAE to remortgage multiple UK buy-to-let properties....

19
Nov
Remortgage & Holiday Let Purchase for Company Director
Case Study – Remortgage & Holiday Let Purchase for Company Director

Read this great case study on how Liquid Expat Mortgages helped a company director in Australia to remortgage his UK property to secure a new holiday let purchase....

05
Nov
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UK Expat Mortgage News & Market Insights

Stay well informed with the latest news, advice and insights into everything UK expat mortgages.

Manchester Rental Market Booming for UK Expat and Foreign National Investors
Manchester Rental Market Booming for UK Expat and Foreign National Investors

The UK rental market is currently booming with rents outside of London rising at their fastest rate since 2008. But, with so many choices, it can...

08
Nov
Fast Rising Rents Presenting Investment Opportunities for UK-Expats
Fast Rising Rents Presenting Investment Opportunities for UK Expats

Late into 2021, rents are still rising fast, meaning that buy-to-let investment continues to present excellent opportunities for UK expat and foreign national investors. ‘With rents...

25
Oct
International-Purchases-Have-Slowed-for-UK-Property.-But-UK-Expat-and-Foreign-National-Investors-Shouldnt-Be-Scared
International Purchases Have Slowed for UK Property. But UK Expat and Foreign National Investors Shouldn’t Be Scared.

With falling numbers of international buyers for UK investment property, we examine the false picture that the London market is causing....

19
Oct
UK Expat Buy-to-Let Investors Look North
UK Expat Buy-to-Let Investors Look North.

Buy-to-let UK property has long been seen as a lucrative investment, often used to provide an inheritance for the investor’s children, as a pension alternative, or...

19
Oct
Rental Market Predictions for UK Expat and Foreign National Investors in the Rest of 2021
Rental Market Predictions for UK Expat and Foreign National Investors in the Rest of 2021

The rental market has remained tumultuous throughout the pandemic. Here are our rental market predictions for UK expats in the rest of 2021....

03
Oct
Liquid Expat Mortgages’ September Q&A
Liquid Expat Mortgages’ September Q&A

A Fall in International Buyers. Q: I’m a foreign national who has been looking to purchase property in the UK for a while now. However, I’m...

20
Sep
New UK Expat Buy-to-Let Investors to Profit from the City Centre
New UK Expat Buy-to-Let Investors to Profit from the City Centre

After last year’s depressed city centre rental market, city centre rents are steadily rising again. This trend is of particular interest to new UK expat buy-to-let...

14
Sep
Pension or Property Investment Saving for Retirement as a UK Expat – Part Two
Pension or Property Investment? Saving for Retirement as a UK Expat – Part Two

We look at the dilemma of choosing between a pension or property investment for the purpose of saving for retirement as a UK expat....

06
Sep
Pension or Property Investment Saving for Retirement as a UK Expat – Part One
Pension or Property Investment? Saving for Retirement as a UK Expat – Part One

Investing in UK buy-to-let property can serve as an alternative to a pension or contribute to retirement saving for UK expats....

01
Sep
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We’ll save you time and stress when applying

Our large team of Mortgage Consultants are super-qualified, experienced and friendly. Trained to the highest standard, they’ll take care of all the hard work and support you throughout the whole process.

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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