Expat Mortgage

Expat Mortgage

Expat Mortgage - Expat mortgage refers to an expats seeking to obtain a mortgage to purchase a property in the UK. Expat mortgages have become scarce and uncompetitive in recent years due to the current economic crisis, leaving many customers seeking expat mortgage unable to obtain a package that suits them.

We understand our client’s requirements such as credit ratings and the need to secure expat mortgages. We appreciate many of the reasons a client may have for wishing to purchase in the UK or remortgaging through a UK mortgage bank. Our specialist expat mortgage team contains brokers who have themselves lived and worked overseas and so understand the many financial benefits of expats owning a home in the UK.

As expat mortgage brokers offering UK mortgages we can source and provide details on a number of mortgage products from British banks and UK expat mortgage lenders. We have built up strong relationships with many leading expat mortgage providers, putting us in the best possible position to save you money. We may be able to obtain rates not found on the high street. The property can be lived in if you are returning back to the UK or it can be let out as a second home. 

We appreciate the possible stress and time involved in such an application and as such we guarantee to fill in all required documentation to meet your time constraints, along with providing constant support and guidance.

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 team 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)