UK Expat Mortgages

UK Expat Mortgages

UK Expat Mortgages - UK expat mortgages are mortgages for UK expats seeking to return to the UK having recently purchased a residential or buy to let property. The UK expat mortgages market has shrunk since the credit crunch. We offer a bespoke and holistic service to all UK expat mortgages clients increasing the chances of a secured application and often obtaining a better rate for your specific individual needs and circumstances.

UK Expat mortgages seekers now returning to the UK may have left the British Isles at a time of prosperity, with finance easy to obtain. Nevertheless, this is not currently the case. The UK mortgage market has shrunk considerably since the economic downturn with many high street banks and building societies having capped the loans that they offer at a maximum of £500,000. High net worth individuals and UK expat mortgages seekers for a larger home are often now requiring the services of a mortgage broker.

Our UK expert mortgages team are experts in placing our clients at the right rate at the right time and with the right lender. Using our comprehensive panel base, we will briskly advise you whether a private UK expat mortgages lender, UK or international banks or building society will be best equipped to your individual needs and requirements. In addition, aware of any potential time constraints our clients may have, our team will also guarantee to fill out all the critical and necessary documentation required to complete your UK expat mortgages application, all within your required timescales.

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 UK expat mortgages 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)