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.

Speak with one of our UK Expat Mortgage expert advisers today.

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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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UK Expat Mortgage Case Studies

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

VIEW MORE CASE STUDIES
Case Study – Quick Bridging Finance to Secure Investment Opportunity

Read this great case study on how Liquid Expat Mortgages helped a UK expat in Hong Kong to secure Bridging Finance for a promising investment opportunity.

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Case Study – Overcoming Tax Deduction Challenges

Read this great case study on how Liquid Expat Mortgages helped a yacht captain benefiting from Seafarers’ Earnings Deduction to secure a UK mortgage.

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Case Study – Refinancing Help To Buy For Chinese Graduate

Read this great case study on how Liquid Expat Mortgages helped an Italian Expat get a better mortgage rate and release equity from their help to buy mortgage.

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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.

Excellent
Based on 169 reviews
Tania Tulen
Tania Tulen
2023-10-14
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)
David Hasdell (Wingaroo)
2023-09-22
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.
J LH
J LH
2023-09-14
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
Catherine Chan
2023-08-05
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
Tracie Harrington Hodges
2023-07-19
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.
Matt Jones
Matt Jones
2023-06-27
We're really pleased with the service provided by Liquid Expat - right from the first conversation through to completion - every step has been managed really professionally and the team have helped us through the process. Thanks to Claire and Liam especially for all your support - I have no hesitation in recommending their services.
Sikar Chan
Sikar Chan
2023-06-21
Liquid Expat helped a lot in providing mortgage service and guidance throughout the process. Their response time to my email is super fast! I will use their service again and recommend to my friends and family. Excellent!
Martin Scudder
Martin Scudder
2023-06-20
We had just recently returned back to the UK from New Zealand and faced a number of challenges buying a property back in the UK. Claire provided excellent guidance and assistance in arranging our mortgage, minimising the hassle and bureaucracy and got us a really good deal, particularly against the current economic climate. We also faced a number of challenges when our house purchase didn't materialise and waived the additional fee which was a great help financially. I would go through Liquid Expat Mortgages and again when the time comes to re-arranging our next mortgage and would very much recommend them. Thanks to both Claire and Liam.

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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