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Why Choose Liquid Expat Mortgages?
Seeking advice from a mortgage specialist with expertise in helping foreign passport holders is a wise step in the process of securing a mortgage in the UK. Working with Liquid Expat Mortgages will help you simplify the mortgage process, as our qualified team can help you with tailored UK Mortgage solutions that align with your visa status, financial goals, and income source.
It’s important to note that the mortgage market in the UK can be competitive and complex, and eligibility criteria can vary widely among lenders. As specific rules and regulations are constantly changing, it’s sensible to consult with an expert. Whether you’re a resident on a work visa, student visa, or any other type of visa, we’re here to guide you through the intricacies of the UK mortgage market.
Speak with one of our Foreign Passport Holder Expert Advisers today.
Call +44 161 871 1216
Considerations for Foreign Passport Holders
A quick chat with Liquid Expat will help you discover how best you might find a UK Mortgage. In the meantime here are some general pointers to help foreign passport holders secure a mortgage in the UK.
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Immigration Status: Your immigration status will play a significant role in your ability to obtain a mortgage in the UK. Some lenders may have restrictions on lending to individuals with certain types of visas. Permanent residents or individuals with indefinite leave to remain typically have an easier time securing a mortgage.
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Credit History: Building a strong credit history in the UK is crucial. Lenders will assess your creditworthiness, and a good credit score is essential. If you’re new to the UK, consider obtaining a credit card and using it responsibly to establish credit.
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Employment: Lenders will want to see evidence of stable and sufficient income to cover mortgage payments. Having a job in the UK is a strong indicator of this. If you’re self-employed, you may need to provide additional documentation. Liquid Expat Mortgages can help you assess your requirements.
Tips For An Easier Mortgage Experience
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Deposit: Typically, you’ll need a deposit for a mortgage in the UK. The larger your deposit, the more options you’ll have. Lenders often require at least a 5% to 20% deposit, but a larger deposit can result in better mortgage terms.
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Mortgage Broker: Working with a mortgage broker such as Liquid Expat Mortgages who specialises in helping foreign passport holders secure mortgages in the UK can be hugely advantageous. They can provide valuable advice and as we are independent we will work with you to match with a lender best suited for your needs and residency status.
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Proof of Address: Lenders may require proof of address history in the UK. It can be challenging if you’ve just arrived, but this is where having a rental agreement or utility bills in your name can help.
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Document Verification: Ensure that you have all necessary documents, including valid identification, proof of income, bank statements, and any documentation related to your immigration status. We can help you identify the documents lenders and banks will require.
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Foreign Passport Holder Mortgage Case Studies
Learn about how our expert team helped Foreign Passport Holders attain Mortgages in the United Kingdom, despite difficult or complex circumstances.
VIEW MORE CASE STUDIES
Case Study – Spanish National Living in the UK
Read this great case study on how Liquid Expat Mortgages helped a Spanish national to purchase her first home in Greater Manchester.
Read more
12
Dec
Dec
Case Study – Assisting BNO Passport Holders
Read this great case study on how Liquid Expat Mortgages helped BNO passport holders to purchase their first Buy-to-Let property in the UK.
Read more
04
Sep
Sep
Case Study – Helping US Passport Holders
Read this great case study on how Liquid Expat Mortgages helped US passport holders living in London to secure a UK mortgage.
Read more
01
Jun
Jun
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.
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.
❝ 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. ❞
❝ 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. ❞
❝ 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. ❞
Liquid Expat Mortgages Reviews
Read reviews left by our clients on Google.
Paula Fielding
2024-09-13
Trustindex verifies that the original source of the review is Google. Absolutely top class and very professional service from Philip Clarke and Vanessa Govender with a real personal touch.
Both have been extremely helpful, efficient, kind and courteous and have really put me at ease and done their absolute best to help me attain a mortgage.
I hugely appreciate their efforts and assistance and highly recommend them both for recognition in their company and to anyone seeking an expat mortgage.
B
2024-08-01
Trustindex verifies that the original source of the review is Google. Superior experience to other UK mortgage brokers I've used. Good rates, very fast service and responsive communication from their team (thanks Claire!). I can recommend and will use them again.
Ellen Stokes
2023-12-27
Trustindex verifies that the original source of the review is Google. 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
2023-10-14
Trustindex verifies that the original source of the review is Google. 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)
2023-09-22
Trustindex verifies that the original source of the review is Google. 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
2023-09-14
Trustindex verifies that the original source of the review is Google. 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
2023-08-05
Trustindex verifies that the original source of the review is Google. 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
2023-07-19
Trustindex verifies that the original source of the review is Google. 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.
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