Family & Residential UK Remortgages for Expats

In simple terms a UK expat residential remortgage involves switching your current mortgage to a new deal. This can be with your existing lender or with a new one. As a current home-owner you can use an expat residential remortgage to release equity or secure a more favourable mortgage rate.

Liquid Expat Mortgages can also help you remortgage your residential property into a buy-to-let, allowing you to rent it out while you’re abroad. With the largest panel of UK residential mortgage lenders of any expat broker, we can secure you the best remortgage deal for your personal circumstances and needs.

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

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UK Expat Residential Remortgages

The benefits of Remortgaging

Many home-owners like the idea of taking advantage of an expat residential remortgage for a number of reasons. Some can save money on their current mortgage rates, others may want to raise money to make home improvements or consolidate debts. Often remortgaging is a much more cost effective way of raising money.

Other borrowers with tracker mortgages can also take up new expat residential remortgage products with fixed monthly repayments so they could potentially avoid any increase in interest rate rises.

Whether you want the best remortgage rates or are simply looking for more information, our brokers have many years’ experience in sourcing finance for expats and foreign national clients and can advise accordingly.

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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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Frequently Asked Questions

Yes you can. We have over 13 years experience in helping UK expats and foreign nationals switch their current expat residential remortgage 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.

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There are a number of reasons to use an expat residential remortgage broker. For example if you’re a borrower with a tracker mortgage and want to secure a longer term fixed rate deal to pay a fixed amount for a longer period because you believe interest rates may rise, then a specialist expat residential remortgage broker will allow you to access products from a wider range of lenders.

This way you are not tied in to your existing lender and restricted to you’re a smaller range of available offers.

We have special access to over 45 British lenders who will accept applications from overseas, some of whom have exclusive expat residential remortgage 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 assisting with 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 remortgage. Our experienced staff is also on hand to help with your mortgage application in general.

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An expat residential remortgage is an effective way of releasing equity from your home and investing in a property. It might be a property you buy so your children can stay in whilst studying in the UK, or you might want to start a portfolio as part of your pension planning.

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We continue to work extensively with experienced UK Expat and overseas landlords who can sometimes have complex financial situations. Our close ties with specialist lenders allow us to deliver bespoke Residential mortgage solutions for landlords everywhere.

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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 residential mortgage testimonial

­ Many thanks to all the guys at Liquid Expat and the support they gave us to buy our new property. We’d tried our bank for a residential mortgage and wasted so much time that we actually lost our first choice property, let alone the hassle, time and money as we had to provide documents and information from Dubai. We were pretty dubious we could get a mortgage when we came to speak to Liquid, but we quickly saw how you worked for us and we were always available to answer our questions. We’ve now got a new home and will be moving back to Sheffield from Dubai in the next 2 weeks to settle back into the UK.

Stephanie & Colin / UK Expats in Dubai
expat residential mortgage testimonial

­ I first contacted Liquid Expat in June 2020 as I was looking at a property in Manchester or Salford as my son was looking to study at one of the two universities. Liquid were not only able to offer great insight into the city itself but they offered a number of residential expat mortgage options. They remained professional throughout and aware of the needs of expats looking for mortgages in the UK. I would recommend Liquid Expat to anyone looking for a UK expat residential mortgage as they sorted my needs out quickly and saved me time and money as they organised notaries in Abu Dhabi and UK solicitors as well.

S. Marchant / UK Expat in Abu Dhabi
expat residential mortgage testimonial

­ John and his team of Cantonese and Mandarin speaking mortgage advisers were great. I enquired about a residential expat mortgage as my parents wanted to buy a house in the UK. Although I speak English to a good standard my parents were encouraged that they could also communicate with Liquid Expat as and when they wanted to. Despite the time differences they kept in touch and we always knew that they had colleagues in Hong Kong ready to help. We just completed on a house near Manchester city centre. I would highly recommend Liquid Expat Mortgages to all foreign nationals looking to buy in the UK.

Yi Lau / 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
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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