Ex-Pat Mortgage

Ex-Pat Mortgage

Ex-Pat Mortgage - Ex-pat mortgage and ex-pat mortgages are becoming increasingly difficult to obtain for the individual. An ex-pat mortgage will be sought by British nationals living overseas who seek to move back to the British Isles having purchased a residential or buy to let property. Unfortunately since the recent well documented worldwide economic difficulties, many high street banks and building societies throughout the UK have become reluctant to lend to ex-pat mortgage seekers and often rejecting individual applications. Those that can secure an ex-pat mortgage individually are often left with non cost effective rates.

However, ex-pat mortgage deals are available, especially through private lenders. We offer a bespoke and holistic service to all clients seeking an ex-pat mortgage, aiming to obtain the best possible result for your financial and banking needs and requirements.

Our ex-pat mortgage advisers will quickly guide all clients as to whether a UK bank, private ex-pat mortgage lender, or local building society will be best suited to your individual ex-pat mortgage application. Using our comprehensive panel base and senior relationships with many underwriting staff at leading ex-pat mortgage lenders, we will increase your chances of a successful application, often being able to obtain the best available rates for your specific enquiry.

We also guarantee to fill in all the necessary paperwork towards your transaction through to completion, ensuring no critical details are missed out and saving you time and stress. Our expert ex-pat mortgage team are specialists in providing our clients with the right lender at the right rate, but importantly at the right time.

If you need any assistance why not speak to one of our Mortgage Advisers by calling 020 77 100 400 or Enquire Online.

Call us today. Our ex-pat mortgage advisers anticipate your call.

How to get in touch

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Selected Expat and Offshore Worker Mortgages

A selection of some of our lenders mortgage products and rates are shown below. Contact us for a quote specific to your circumstances. Table data updated 26/07/2017.

For /
Fixed Lender
% Lender




30/09/2019 4.59% 4.70% 2% in year 1, then 1% in year 2 £995


Expat Buy to Let to75% LTV

Repayment or Interest Only

Expat and UK Resident Joint Application.



3.19% Discount


5.70% 5.70% 3% in year 1, then 2% in year 2 £0 0.75%

Expat Residential to 80% LTV

Second Home or UK Base



1.69% Discount 31/07/2019 5.70% 5.70% 1% until 31/07/2019 £199 None

Expat Residential to 75% LTV

Free Standard Valuation.

Either: immediately returning to the UK or UK resident and Expat Joint Application.



2.89% Discount 2 Years 5.70% 5.70% 3% in year 1, then 2% in year 2 £0 0.75%

Expat Buy to Let

Max 50%-75% LTV (product dependant)

First Time Buyers / Pure Expat Applicants Considered


1.24% Fixed 30/11/2019 3.75% 3.75% 2% in year 1 & 2 £995 None

Expat Residential

Max 60% to 90% LTV (product dependant)

UK resident and Expat Joint Application



 2.80% Discount  2 Years  5.29%  5.29%  2% in year 1, then1% in year 2  £995  None 

Expat Holiday Let

Max 60% - 75% LTV (product dependant) 

007  3.60% Fixed 31/08/2019  4.00%  4.00%  2% in year 1,then 1% in year 2  None  1% 

Expat Buy to Let

Max 65% - 75% LTV (product dependant)

Personal income used (not based on rental income)