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Make the most out of your savings with an Offset Mortgage
In recent years, many borrowers have taken advantage of highly competitive discounted or short-term fixed rates. An offset mortgage allows any savings you hold to “offset” against your mortgage. In this way you can you can reduce the interest you pay on the net balance. A savings account is set up alongside your mortgage, and the money in the account is ‘offset’ against the mortgage. So a £150,000 mortgage with £30,000 savings would mean you’d only pay interest on £120,000!
Get a free Offset Mortgage quote today
Expat offset mortgages can offer flexibility, tax efficiency, and help customers best use their income, for example those that earn annual bonuses. Offset mortgages offer an alternative to poor savings rates.
Speak with one of our Offset Mortgage expert advisers today.
Call +44 161 871 1216
Why British Expats Love Offset Mortgages
A popular investment strategy for British Expats is to buy property in the UK. An offset mortgage designed for expats can help you take advantage of a growing housing market and prove to be a long term valuable investment opportunity.
Expat offset mortgages are designed to assist expatriates looking to purchase properties in the UK with flexibility and tax efficiency. It can help maximise incomes, for example those that earn annual bonuses.
Try our Offset Mortgage Calculator
Use our free online offset mortgage calculator to see how your savings could reduce your expat mortgage term or monthly payments. For example, a £150,000 mortgage with £30,000 savings means you would only pay interest on £120,000.
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.
Offset Mortgage Case Studies
Learn how our team at Liquid Expat Mortgages has helped expats and foreign nationals living overseas secure offset mortgages despite facing difficult or complex circumstances.
VIEW MORE CASE STUDIES
Case Study – UK Expat Buy-to-Let Mortgage for British expat couple
Read a great case study on how Liquid Expat Mortgages helped a UK National living in Amsterdam to attain a Buy-to-Let Mortgage in London, UK.
Read more
21
Aug
Aug
Case Study – Buy-to-Let Mortgage for UK Expat based in Australia
Read a great case study on how Liquid Expat Mortgages helped a UK expat living in Sydney to gain a foothold on the London property market.
Read more
01
Mar
Mar
Case Study – Landlord Expands BTL Portfolio Through SPV Company
Read a great case study on how Liquid Expat Mortgages helped an experienced landlord expand their Buy-to-Let Portfolio through the creation of a SPV Limited Company.
Read more
09
Feb
Feb
Offset Mortgages – Frequently Asked Questions
I’m currently living abroad and already own a UK property. Can I obtain an expat offset mortgage?
Yes you can. We have over 13 years experience in helping UK expats and foreign nationals switch their current expat offset mortgages to a new deal.
As a current homeowner you may want to consider taking this step for a number of reasons, such as saving money, raising money, making home improvements or simply moving to a better, longer term fixed rate whilst utilising your savings which at this moment in time will more than likely be receiving a poor return rate of interest.
You can withdraw your savings at any point to make other investments as you see fit.
Get a quote
Why should I use an expat offset mortgages broker?
We often deal with customers with irregular income streams, i.e. self-employed, contractors, sea farers, shareholders or partners and directors.
We have special access to over 45 British lenders who can arrange deals with private banks and expat offset mortgage providers not readily available on the High Street, and there are no upper limits on offset mortgages but many of whom require bespoke expat offset mortgages products to meet with your unique situation and needs.
Not only can we arrange a choice of lenders for your, but we’re on hand to assist with your application as well as the processes and legal requirements involved.
Get a quote
Can you work around the fact I’m in a different time zone?
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 offset mortgages.
Our experienced staff is also on hand to help with your expat mortgage application in general.
Get a quote
I already own a property and want to become a landlord. Can I still get a Buy-to-Let Remortgage?
An expat offset mortgages is an effective way of paying down your mortgage through savings whilst still having instant access to your savings for as long as you keep your Offset mortgage.
For example, on a £250,000 mortgage loan you can reduce your mortgage repayments by over £21,000 using £25,000 in savings (based on a 4.25% term over 20 years). That’s without overpayments!
Try our offset mortgage caluclator here
Get a quoteLiquid 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 thank you and the other behind the scenes staff at Liquid Expat for all your professional help with obtaining a mortgage for us which enabled us to make the purchase of this buy to let property. ❞
❝ I would like to commend the excellent support we received from Claire in our recent recent buy to let remortgage application which proceeded faster than we could have hoped. She kept us fully in the picture throughout. ❞
❝ Buying a property overseas is not a stress free process, but Liquid Expat Mortgages has been instrumental in reducing my level of stress and ultimately securing a mortgage lender for me in the United Kingdom. ❞
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.
Get a free quote