Second Charge Mortgages for UK Expats & Non-UK Residents

Many customers looking to release capital or equity in their property prefer a second charge as opposed to a remortgage. With a second charge mortgage, the second lender takes second priority to the first lender. This means if the property ever needs to be sold, the first lender will have first call on equity in the property. This option can allow you to avoid the often-costly process of re-mortgaging. If you sell your home, you’ll need to pay off your second charge mortgage. Or, if your lender allows it, transfer the second mortgage to a new property.

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

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Second Charge Mortgages

How do UK Expats use a Second Charge?

Many UK expats tend to utilise second charge mortgages for;

  • Business purposes
  • A deposit for an additional property purchase
  • To transfer equity
  • To purchase a lease on a property

Why take out a Second Charge?

  • If your current mortgage has a high early repayment charge, it might be cheaper for you to take out a second charge mortgage rather than to remortgage to release equity from your property.
  • A second mortgage means you would only pay extra interest on the new amount you want to borrow.
  • Second charge Mortgages can provide a fast, cost-effective means of secured borrowing. Without the need for extensive legal requirements, or lengthy conveyance process.
  • If you don’t have a strong credit footprint in the UK as you have been working and living abroad.
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Liquid Expat

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We can help you find the best Second Charge Mortgage deal for your circumstances.

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When should you consider a Second Charge Mortgage?

Many UK Expats or Foreign Nationals with a UK property wants to release equity from a property quickly and without recourse to remortgaging tend to be:

  • Self-employed.
  • Don’t have a strong credit footprint in the UK as they have lived or worked abroad for many years.
  • Need to raise capital for a purpose not accepted with standard high street.
  • Or their current UK mortgage has Early Redemption Clauses – or a penalty to remortgage
  • Is an Interest Only mortgage so that changing to a repayment mortgage could be more costly.
  • If the customer has a Bank Base rate Tracker and the current rate is so low that it cannot be matched or beaten.
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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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Second Charge Mortgage Case Studies

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

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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.

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.

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Liquid Expat Mortgages Testimonials

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

HMO Mortgages for Expats testimonial

­❝ 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 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! ❞

C.G. / UK Expat living in Saudi Arabia
HMO Mortgages for Expats testimonial

­❝ 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 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. ❞

R.L. / UK Expat living in Dubai
HMO Mortgages for Expats testimonial

­❝ Thanks to Liquid Expat Mortgages for assisting us in getting our 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. ❞

C.J. / Foreign National in Hong Kong
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Liquid Expat

Call our expert advisers now
+44 (0)161 871 1216

Liquid Expat

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Liquid Expat Mortgages Reviews

Read reviews left by our clients on Google.

Based on 146 reviews
Isobel Hanning
Isobel Hanning
2023-01-18
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
2023-01-10
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
2023-01-04
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
2022-12-22
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
2022-12-20
The organisation is very good and professional. They are supportive from beginning to the end of the process.
Wahid Fazil
Wahid Fazil
2022-12-19
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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