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.

Speak with one of our UK Holiday Let Mortgage expert advisers today.

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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

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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Frequently Asked Questions

Despite what you may have heard elsewhere, yes you most definitely can! We have over 13 years experience in helping UK expats and foreign nationals like you obtain an expat holiday let mortgage and helping customers not only find their ideal coastal , countryside or city break property but also help them with their UK investment property.

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We have special access to over 45 British lenders who will accept applications from overseas some of whom have exclusive expat holiday let mortgage products to meet with your unique situation and needs. Not only can we arrange a choice of lenders for your expat holiday let mortgage, but we’re on hand to assist with your application as well as the processes and legal requirements involved.

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Yes we can. Our qualified mortgage advisers are available 24 hours a day to help you with any questions you may have about your expat holiday let mortgage. Our experienced staff is also on hand to help with your mortgage application in general.

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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.

Based on 146 reviews
Isobel Hanning
Isobel Hanning
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
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
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
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
The organisation is very good and professional. They are supportive from beginning to the end of the process.
Wahid Fazil
Wahid Fazil
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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