Mortgages For Expats

Mortgages For Expats

Mortgages For Expats - Mortgages for expats are mortgages designed specifically for expats who wish to buy residential property in the UK. Mortgages for expats have become a scarce commodity in today’s mortgage market due to the credit crunch. Many mortgages for expats customers are finding it hard to find a mortgage suitable to their unique requirements. This is where we can help. We provide a bespoke and holistic service to expatriates to ensure they obtain the most competitive rate for their situation.

We understand the expat community and appreciate the reasons for an expat mortgage purchase or an expat remortgaging. Our team of mortgages for expat brokers consists of members who have themselves worked overseas and understand the many financial benefits of expats and foreign nationals owning a home in the UK, have direct access to many

As specialist mortgage for expats brokers, we can source and provide details of a number of mortgage lenders through our mortgage service and comprehensive panel approach. We will be able to assist you as to what the most competitive and affordable mortgages for expats rates will be available. Mortgage lenders UK wide are able to provide expat mortgages for the purposes of a purchase or a remortgage. The property can be lived in by the returning expat either permanently or as a second home, at 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 one of mortgages for expats advisers 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)