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HMO Mortgages for Expats, Landlords & Investors
Investors are utilising HMO Mortgages for expats, landlords & buy-to-let investors as house and rental prices soar with property demand growing. There are many types of UK properties suitable with HMO Mortgages for expats such as Student Accommodation, House or Flat share, Bed sits and even mixed accommodation units with commercial elements.
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Liquid Expat Mortgages has been providing HMO Mortgages and Remortgages for expats and foreign nationals living overseas since 2007. Our highly experienced team of fully qualified mortgage advisers can help find the best deal for your personal needs and circumstances.
Liquid Expat Mortgages is able to offer a wide range of products suitable for HMO Mortgages
As house and rental prices soar, demand for HMOs is growing – especially from young professionals in major cities such as London, who see house sharing as a way to reduce the burden of rental costs.
As a Landlord or Buy-to-Let investor there has been no better time to obtain a HMO Mortgage for Expats as interest rates are historically low and the widest range of products.
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.
HMO Mortgage Case Studies
Learn how our team at Liquid Expat Mortgages has helped expats and foreign nationals living overseas secure HMO mortgages despite facing difficult or complex circumstances.
VIEW MORE CASE STUDIES
Case Study – UK HMO Mortgage for Expats in Australia
Read this great case study on how Liquid Expat Mortgages helped a couple of British expats living in Australia secure a HMO mortgage in the United Kingdom.
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Sep
Sep
Case Study – Student HMO Mortgage for British Expat Landlord
Read this great case study on how Liquid Expat Mortgages helped a British expat living in Dubai secure a HMO mortgage for students in the United Kingdom.
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Aug
Aug
Case Study – UK HMO Mortgage for a Foreign National in Hong Kong
Read this great case study on how Liquid Expat Mortgages helped a Foreign National in Hong Kong secure a HMO mortgage in the United Kingdom.
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Jul
Jul
HMO Mortgages – Frequently Asked Questions
What are HMOs exactly & why are they so popular with investors?
A property is classed as a HMO (House in Multiple Occupation) when it has at least three tenants who are not from the same ‘household’, but who share the bathroom, kitchen and other facilities. In short, the tenants aren’t relatives or in a relationship, but they live together. HMO yields can be significantly higher than that of traditional BTL properties – often by about three times and this gap is growing.
According to Multi-Let UK, the average gross return has increased by 18-20% over the last five years, compared to 6-8% for standard BTL properties. This is why there has been a substantial increase in demand for HMO mortgages for expats.
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I’m currently living abroad. Can I a get a HMO Mortgage?
The simple answer is yes. To understand the options available to you, speak with a specialist broker who can help with a HMO Mortgage for expats.
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How do I know if I can obtain a HMO Mortgage for Expats?
All expat mortgages are subject to stricter criteria than traditional BTL mortgages, and this is no different where HMO Mortgage for Expats is concerned. If you are looking to secure an investment it is vital to secure an Agreement in Principle for your HMO Mortgage this avoiding any potential pitfalls in the buying process. Working with the No 1 expat mortgage broker, Liquid Expat Mortgages will offer security and peace of mind throughout the whole process.
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As an Investor how can I utilise a HMO Mortgage?
HMO mortgages for expats can be used for a variety of HMO requirements such as;
- Property refurbishment mortgages
- Purchasing an already Licenced HMO
- Converting a previously unlicenced HMO into a licensed HMO.
- HMOs above retail premises
- Student let property
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 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! ❞
❝ 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. ❞
❝ 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. ❞
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.
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