Specialist Expat Mortgages in the United Kingdom

If you’re a British expat or non-UK resident looking to purchase or remortgage a property in the UK, you may not be able to talk to your bank as many do not cater for Expat mortgages. You might also think that it can be time consuming, stressful, and expensive. It’s true that trying to obtain a UK mortgage can be complicated at the best of times, but with the right experience and expertise it can be quite straightforward to obtain a UK mortgage.

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

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UK Expat Mortgages

We can help you with your UK property purchase

The UK property market has a global reputation for stability. So, for many UK expats, it’s only natural to want to hold on to their UK property – even once they’ve moved abroad.

Many UK expats and Foreign nationals buy property as a form of investment. However, with the customer living abroad it can add an additional layer of complication when it comes to finding a mortgage. This is where a specialist expat mortgage broker can help and indeed comes into their own.

Using our extensive lender network and drawing on our many years of experience assisting UK expats we can help you find your ideal mortgage or remortgage.

Learn more about all the different specialist expat mortgages we can help you with.

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Specialist Expat Mortgages

EXPAT REMORTGAGE

We can source the perfect expat remortgage or refinance product for your specific property requirements, whether for residential or buy-to-let purposes.

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RESIDENTIAL EXPAT MORTGAGE

Ideal for when you are planning to return from living abroad and want a new home in the UK, or when you need a UK property for your family to live in.

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BUY-TO-LET EXPAT MORTGAGE

Ideal for when you want to rent out a UK property. Take advantage of historically low interest rates and invest in the UK’s historically stable property market.

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FIRST TIME BUYER EXPAT MORTGAGE

We can help you get your foot on the UK property ladder. We’ll guide you through purchasing a UK property for the first time while you live and work abroad.

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HOLIDAY LET EXPAT MORTGAGE

Take advantage of the growing UK Holiday Let market which has attracted many overseas investors who are attracted to the British countryside and coastal areas.

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HMO EXPAT MORTGAGE

Liquid Expat Mortgages has helped overseas landlords to build up HMO (Houses of Multiple Occupation) property portfolios with our range of Expat HMO mortgages.

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HIGH VALUE EXPAT MORTGAGE

We can help with high value mortgages (over £1 million) in the UK, suitable for high net worth (HNI) individuals who live and work abroad.

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UK LIMITED COMPANY MORTGAGE

By setting up a trading limited company to hold your property or properties you can take advantage of a wide range of mortgage products.

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OFFSET EXPAT MORTGAGE

Get an offset mortgage to use your savings so that you only pay interest on the difference between your savings and the money that you owe.

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PRIVATE BANK EXPAT MORTGAGE

Our range of private banks and lenders will often offer more competitive mortgage deals to parties borrowing large sums of money.

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SECOND CHARGE EXPAT MORTGAGE

Many of our customers looking to release capital or equity in their property prefer using a second charge mortgage as opposed to a remortgage.

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SELF-EMPLOYED EXPAT MORTGAGE

UK expat mortgages and remortgages specially tailored to suit self-employed individuals or contractors who live and work abroad.

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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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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’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 United Kingdom.

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

­ I first contacted Liquid Expat Mortgages in June 20 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 remained professional throughout. I would highly recommend Liquid Expat Mortgages 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

­ I enquired about a 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. 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.

Get a free quote