Mortgage Expatriate

Mortgage Expatriate

Mortgage Expatriate - Mortgage expatriate refers to mortgages sought by expatriates returning to the UK and looking to purchase a buy to let or residential property. The mortgage market has changed significantly in recent years. UK nationals may have migrated when house prices were at high levels, lenders were willing to lend no matter the client’s mortgage expatriate credit rating and finance was easier to obtain. Nevertheless, the mortgage expatriate market since the recent economic downturn has changed. Many lenders have been increasingly reluctant to lend to mortgage expatriate customers. Those who are granted a successful application are often left short changed with unkind rates for their mortgage expatriate application.

This is where we are here to help. There are many specialist mortgage lenders who can raise funds and offer suitable and affordable packages for mortgage expatriate seekers within the UK. Using our comprehensive panel international base, our mortgage expatriate advisers will seek to find our clients with the right rate at the right lender, but most importantly at the right time.

Our mortgage expatriate team promise to help all clients every step of the way to the completion of their transaction and beyond. We will advise you whether a private mortgage expatriate lender, UK bank or local building society will be best suited to your individual needs and requirements.

We offer a bespoke and holistic service to all mortgage expatriate clients. Over recent years, our expert advisory team have built up strong and established relationships with many mortgage expatriate providers and their underwriters, often producing favourable rates for our clientele and granting a higher chance of success with their mortgage expatriate application.

In addition, our expert team will also guarantee to fill in all the paperwork required for your transaction, saving our clients time and stress in the process.

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

Call our mortgage expatriate team today. We 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)