About the Liquid Expat Mortgage team

Just like every organisation, Liquid Expat Mortgages’ team has a diverse and dynamic mix to help us deliver consistently high standards and products to our customers worldwide. In almost 15 years of working with UK expats and Foreign Nationals buying or refinancing property in the UK, we have been able to understand the issues faced by mortgage customers and lenders alike. So, unlike other expat mortgage brokers, finding and arranging the best mortgage for your circumstances isn’t all we do at Liquid Expat Mortgages.

Our qualified and experienced team can help you through your entire property-buying journey. We are here to help with all the issues which we know through experience cause delays and can ultimately cause the break down of the buying chain. Our admin support work closely alongside our mortgage advisers to ensure your application reaches its conclusion with the minimum of disruption and stress.

Speak with one of our fully-qualified expat mortgage advisers now.

Call +44 (0) 161 871 1216

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our EXPAT MORTGAGE team

Being able to deliver UK mortgage products to British Expats worldwide, and Foreign Nationals looking to buy or remortgage a UK property, it’s important that we have the right level of training and understanding of our client needs. The ability to work well as a team just makes it easier to deliver and maintain our standards.

We have total belief in what we do, providing products that work and deliver a solution for our customers. That’s what has made us the No 1 UK Expat Mortgage broker.

Stuart Marshall

Stuart Marshall
Managing Director

Stuart is a first class business professional and consummate service provider.

John Squires

John Squires
Consultant Manager

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Nicola Butterworth

Nicola Butterworth
Compliance Manager

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Liam Saul

Liam Saul
Senior Coordinator

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Jane Hall

Jane Hall
Senior Coordinator

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Alex Charlton

Alex Charlton
Coordinator

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Anna Amarante

Anna Amarante
Coordinator

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Carla Smiles

Carla Smiles
Coordinator

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Claire Aspin

Claire Aspin
Coordinator

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Coordinator

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Nicole Gallagher

Nicole Gallagher
Coordinator

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Rebecca Pickard

Rebecca Pickard
Consultant

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Joseph McGarry

Joseph McGarry
Consultant

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Cristian Fortuna

Cristian Fortuna
Trainee Consultant

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Jade McMurray

Jade McMurray
Trainee Consultant

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Lawrence Wong

Lawrence Wong
Trainee Consultant

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Xiao (Leo) Sun
Trainee Consultant

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Jae Smart
Trainee Coordinator

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Shannon Claassen
Trainee Coordinator

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Fatgyia Abrahams
Trainee Coordinator

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Carmen Bennett
Consultant Admin

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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.

Get a free quote Speak to an expert

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.

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 HMO 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 HMO 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 HMO 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 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.

Get a free quote