Holiday Let Mortgages in the United Kingdom

Holiday Let Mortgages are bespoke mortgages that enable you to buy a holiday home and allow you to let it out to tourists and visitors on a short-term basis. What’s more you can stay in it whenever you fancy a break in the UK.

Holiday Let Mortgages can be difficult to obtain as many lenders do not offer them or they simply don’t have the resources available to support this type of mortgage product. As an overseas buyer, it’s best to use a specialist expat mortgage broker like Liquid Expat Mortgages, who have the experience and support network to make it as straightforward as possible.

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Our team of experienced expat mortgage specialists can simplify the process of finding and securing an expat holiday let mortgage for a property in the UK – without you even needing to set foot in the country.

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Holiday Let Mortgages

Why get a Holiday Let Mortgage in the UK?

Since 2018 the UK Holiday Let marketplace has been growing consistently and Holiday Let Mortgages have become popular with many UK expats and Overseas buyers as they see the value of:

  • Higher rental returns than standard buy-to-lets
  • Good source of secondary income
  • Facility to use the property for your own holiday stays in the UK
  • Rates from 2.89% and good Loan to Values available
  • Facility to own a holiday home by the sea
  • Facility to own a holiday cottage in the British Countryside
  • Facility to own a holiday home wherever takes your fancy
  • The national average rental yield for holiday lets is over 10% and predicted to rise to 14% by 2022

As the holiday letting and serviced accommodation sector has grown over the years many UK Expats have used holiday let mortgages as a way of diversifying their investment portfolio. Our long term relationships with both major lenders and small, boutique mortgage providers ensure we can help identify the perfect mortgage deal for your situation.

Talk to Liquid Expat Mortgages to find the right UK Holiday Let Mortgage for your needs

With an expat holiday let mortgage you could realise your holiday getaway dream, boost your income, and make a unique investment possible. We have helped expats all over the world find their UK holiday let mortgage since 2007 ensuring our clients have access to the best possible holiday let mortgage or remortgage products for their individual circumstances and needs.

As a specialist mortgage broker Liquid Expat Mortgages’ qualified staff has a wealth of knowledge and experience working with UK expats to provide a comprehensive level of advice and assistance to clients looking for an Expat holiday let mortgage. Not only will our knowledgeable and specialist Expat Holiday Let Mortgage lenders provide competitive and market leading rates, but our support co-ordinators will help with all administration enabling you to secure your property quickly and efficiently.

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Holiday Let Expat Mortgage

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

  • 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.

  • We can help you secure a more favourable rate when exchanging money across borders.
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UK Expat Holiday Let Mortgage Case Studies

Learn how our team at Liquid Expat Mortgages has helped expats and foreign nationals living overseas secure UK holiday let mortgages despite facing difficult or complex circumstances.

VIEW MORE CASE STUDIES
Case Study – 75% LTV Holiday Let Expat Mortgage

Read this great case study on how Liquid Expat Mortgages helped an expat couple in the UAE to purchase a Holiday Let property in the United Kingdom.

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Case Study – Residential Remortgage Into A Holiday Let Mortgage

Read this great case study on how Liquid Expat Mortgages helped British expats in Hong Kong to remortgage their UK residential property into a Holiday Let Mortgage.

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Case Study – £400,000 Mortgage For First Time Holiday Let Buyer

This is a great case study on how Liquid Expat Mortgages helped a builder in Australia secure mortgages for two Holiday Let properties in the United Kingdom.

Read more
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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.

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Liquid Expat Mortgages Testimonials

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

expat holiday let mortgage testimonial

­ Wow! You guys really do know your stuff. I can’t thank you enough for helping me secure an expat holiday let mortgage. The renovations are now complete we already have some bookings confirmed. I would highly recommend you to any expat looking for a holiday let in the UK.

D.S / UK Expat living in Dubai
expat holiday let mortgage testimonial

­ I would like to take this opportunity to thank you so very much for your support throughout this particularly difficult purchase. I really appreciate your support. I have many expat friends all exploring expat mortgages and have shared your details with all.

L.B / UK Expat living in Oman
expat holiday let mortgage testimonial

­ Just wanted to take a short time to say a huge thank you to the Liquid Expat Mortgages team. I have be in contact with a number of companies over the years as an expat in HK and I must say that the service provided was first class and very timely on all occasions.

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

Read reviews left by our clients on Google.

Excellent
Based on 171 reviews
Ellen Stokes
Ellen Stokes
2023-12-27
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
Tania Tulen
2023-10-14
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)
David Hasdell (Wingaroo)
2023-09-22
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
Jonathan LH
2023-09-14
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
Catherine Chan
2023-08-05
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
Tracie Harrington Hodges
2023-07-19
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.
Matt Jones
Matt Jones
2023-06-27
We'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 Chan
Sikar Chan
2023-06-21
Liquid 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!

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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