Ex Pat Mortgages

Ex Pat Mortgages

Ex Pat Mortgages - Ex pat mortgages are mortgages for expats seeking to purchase a property in the UK. Ex pat mortgages have always been difficult to obtain, but now coupled with the current economic climate and the process has become even harder to navigate. This is where we assist.

Our team offers a customised and holistic service to clients seeking ex pat mortgages ensuring they have a transition journey through their transaction. Our team of specialist ex pat mortgages brokers have built up strong relationships with many leading lenders of ex pat mortgages and their underwriters to help us find the best deals for your situation. This allows us to find rates not necessary available on the high street.

We appreciate our clients may have bespoke needs and often require tailor made guidance for your ex pat mortgages needs and requirements. We can guarantee to fill in all required documentation within your time constraints as well as keeping you informed throughout. Our ex pat mortgages specialists are able to assist you with capital raising for home improvements, debt consolidation or to simply release equity in order to purchase additional property abroad.

We can source and provide details of a number of ex pat mortgage lenders through our online mortgage service as well as being able to assist you as to what mortgages will be made available and best suited to you and your application. Ex pat mortgage lenders UK wide are able to provide ex pat mortgages for the purposes of a purchase or a remortgage. The property can be lived in either permanently or as a second home, your leisure or to rent out. The choice remains yours.

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 to find out more about ex pat mortgages. Our ex pat mortgage brokers look forward to taking 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)