Whether you are planning to return to the UK, or would like to invest in the UK property market, being a first time home buyer while living and working overseas can make obtaining a mortgage difficult. Liquid Expat Mortgages can help you through every part of the first time home buyer mortgage process.
We have developed long lasting relationships with lenders of all sizes, from boutique mortgage firms to the major high street providers – giving you greater choice and freedom.
Our team of experienced expat mortgage specialists can simplify the process of finding and securing a first time home buyer mortgage for a property in the UK – without you even needing to set foot in the country.
Speak with one of our first time home buyer expert advisers today.
The question is a common one, and the short answer is yes – but you may already know from experience that applying for a UK mortgage whilst living abroad can be difficult. British expats and foreign nationals often face more checks and complicated paperwork requirements. Your mortgage application can also be affected by your personal circumstances, such as which country you are currently residing in. Meanwhile, if you’re paid in foreign currency, the process will likely be even more complicated.
That’s where Liquid Expat Mortgages can help, we are a specialist expat mortgage broker who have been helping clients like yourself to secure UK mortgages since 2007. Whether you want the best mortgage rates or are simply looking for more information, our brokers have many years’ experience in sourcing mortgage finance for expats and foreign national clients and can advise accordingly.
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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 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.
Learn how our team at Liquid Expat Mortgages has helped expats and foreign nationals living overseas secure UK first time home buyer mortgages despite facing difficult or complex circumstances.
VIEW MORE CASE STUDIES
In this case study, we explore the experience of an UK expat who is a first-time UK homebuyer and required a mortgage to purchase a property back in Southampton, UK.
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Read this great case study on how Liquid Expat Mortgages helped a British Expat couple in Dubai purchase a residential property in the UK as first time buyers.
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Read this great case study on how Liquid Expat Mortgages helped a British expat in Kuwait purchase a UK property for his family as a first time buyer.
Read moreLiquid 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.
Hear from some of our clients about their experience with Liquid Expat Mortgages.
❝ I couldn’t have asked for greater support in what was my first property purchase. I would have happily spent more money on the service that you provided and I would not hesitate to recommend Liquid Expat Mortgages to other expats like me looking for a first time mortgage. ❞
❝ I would just like to say a big thank you to Liquid Expat for putting up with one million questions from me. This was my first property purchase and dealing with the additional complications meant I needed a lot of guidance and assurance the process was on track. ❞
❝ Buying a property overseas as a first time buyer is not a stress free process, but Liquid Expat Mortgages has been instrumental in reducing my level of stress and ultimately securing a great expat mortgage lender for me in the United Kingdom. ❞
Read reviews left by our clients on Google.
Ellen Stokes2023-12-27We 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 Tulen2023-10-14Excellent 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)2023-09-22Great 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 LH2023-09-14Liquid 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 themCatherine Chan2023-08-05Thank 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 Hodges2023-07-19After 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 Jones2023-06-27We'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 Chan2023-06-21Liquid 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!
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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