Expert & Independent UK Mortgage Advice

For almost 15 years Liquid Expat Mortgages has provided all forms of finance for anyone looking to purchase or remortgage in the UK. Anyone who has tried to obtain a UK mortgage or UK remortgage whilst working or living outside the UK will appreciate the complexities of organising any type of mortgage. With time zone differences, identity requirements, no UK credit footprint, foreign currency salaries and other legal requirements from lenders, it’s easy to give up on finding your ideal mortgage.

Our end-to-end service has helped customers worldwide secure their specific mortgage whether they remain in their host country or if they are coming back to live in the UK. We are a totally independent specialist expat broker with qualified mortgage consultants and are registered with the Financial Conduct Authority (FCA) for total peace of mind. We have developed solid and long-standing relationships with over 50 UK lenders including specialist boutique and niche lenders you won’t find on the high street.

Speak with one of our fully-qualified expat mortgage advisers now.

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UK Housing Market July Q&A – Part One

Can a British Expat or Foreign National get a Mortgage or a Remortgage in the United Kingdom?

This is a common question. The short answer is YES and although applying for a Mortgage or Remortgage while living abroad can be complex, Liquid Expat Mortgages prides itself on providing a wide range of lenders alongside knowledgeable and expert service to help you find finance fit for your needs.

We can help you with a residential or buy-to-let purchase, as well as remortgage your residential or buy-to-let property. We can assist across a wide range of other mortgage products such as Holiday-Let Mortgages, Self-Employed Mortgages and many more.

Contact us now to see how we can help!

Whether you’re looking to move back to the UK or would like to purchase an investment property, our team approaches each enquiry on its individual merits with the added peace of mind that we’re authorised and regulated by the Financial Conduct Authority.

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Why get a mortgage in the UK?

Over many years the UK property market has established a global reputation for stability attracting overseas buyers as well as UK Expats looking to keep a foothold in the UK. Even when UK expats move abroad, many of them want to retain their UK property as they know the value of it and realise it might not only deliver rental income but over time deliver strong capital growth. However, it does add an additional layer of complication when it comes time to remortgage a property.

Without being physically present in the UK, it can be difficult to attend meetings or seek out the best expat mortgage deals for yourself. Liquid Expat Mortgages can handle this on your behalf, using our extensive lender network.

Many high street lenders don’t offer expat mortgages because they can’t easily credit search applicants who aren’t in the UK. They also don’t have the infrastructure to help process your application and as such you could waste a substantial amount of time and money without really getting anywhere. That’s why we’ve become the No1 specialist mortgage broker for expats and foreign nationals.

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UK Ltd Company Mortgage for British Expat
Expat Mortgage Team

Meet the Liquid Expat Mortgage team

Our expat mortgage team are highly experienced and fully qualified, working exclusively with UK lenders to bring expat and overseas customers their UK mortgage. Since 2007 our team has been supporting customers worldwide helping them achieve their UK mortgage needs.

Just like every organisation, Liquid Expat Mortgages’ team has a diverse and dynamic mix to help us deliver consistently high standards and products to our customers worldwide. Our qualified and experienced team can help you through your entire property-buying journey.

We are here to help with all the issues which we know through experience cause delays and can ultimately cause the break down of the buying chain. Our admin support work closely alongside our mortgage advisers to ensure your application reaches its conclusion with the minimum of disruption and stress.

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5 Reasons to use Liquid Expat Mortgages

1 – Specialist UK Mortgage Broker
As an experienced specialist mortgage broker, we have been providing advice from our fully qualified and FCA regulated advisers to customers worldwide since 2007.

2 – Not limited by choice
Liquid Expat Mortgages is an independent company with access to a wide range of lenders. These include high street banks, private banks and boutique and niche lenders. Our UK based, inhouse mortgage advisers have access to the latest rates and direct access to underwriters to ensure you can have your decision in principle in less than 24 hours.

3 – We’ll help you all the way
Not only will our qualified brokers assist in helping you find the right mortgage product, but you’ll also benefit from the support network provided by co-ordinators and the general administration structure.

Liquid Expat Mortgages has developed a service-oriented culture designed to make obtaining your mortgage as straightforward as possible. We can help with ensuring your document submissions are efficient, we can assist with valuations and communicate with solicitors to take the stress out of your mortgage.

4 – Contacting you your way
We recognised the importance of good and clear communication a long time ago. We can communicate with you in the manner that’s best suits your needs and your time zone.

Whether it’s via telephone, email, texts, WhatsApp or a combination of all of them, we’ll work round you to ensure your mortgage requirements are achieved as smoothly as possible.

5 – In good & experienced hands
Our years of experience means we know how important it is that a mortgage is delivered as effectively as possible.

As such, Liquid Expat Mortgages ensures you speak to the same adviser throughout the mortgage process, as well as having a dedicated and experienced support team that will underpin your experience.

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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 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.

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Liquid Expat Mortgages Testimonials

Hear from some of our clients about their experience with Liquid Expat Mortgages.

HMO Mortgages for Expats testimonial

­❝ I would like to take the opportunity to express my sincere thanks for the superb service and support I have received from Liquid Expat Mortgages in organising my HMO mortgage in the UK. I fully expected to have had to return to the UK at some point to sort this out. I did not which justified your fee in itself! ❞

C.G. / UK Expat living in Saudi Arabia
HMO Mortgages for Expats testimonial

­❝ I just wanted to drop you a message to let you know of my recent very positive experience with Liquid Expat Mortgages as I have recently acquired a HMO mortgage and completed on a property in Manchester. It’s reassuring to have people you can rely on to help and give advice on what to do next. ❞

R.L. / UK Expat living in Dubai
HMO Mortgages for Expats testimonial

­❝ Thanks to Liquid Expat Mortgages for assisting us in getting our HMO mortgage all sorted. We will definitely be using you again and recommending you to other expats. Everything went smoothly and you helped and kept us in the loop through-out. We have no problem recommending your services. ❞

C.J. / Foreign National in Hong Kong
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Liquid Expat Mortgages Reviews

Read reviews 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

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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