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Can a UK Expat Buy A House In The UK ?

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Expats are seeking UK security

In this current volatile and dangerous world, many Expats are seeking safety and security in keeping or buying a UK home.

UK Expats based in the Middle East can find comfort in the security and flexibility a UK property offers.

There is little doubt expats are looking for security in these turbulent times as mortgage enquiries are at an all-time high.

Good news is there are higher loan to value deals readily on offer to assist both new and re-mortgage applicants.

Many positives for 2025 and beyond

The expat investor whether new or existing can be encouraged by the fact good rental property is in high demand in the UK.

Mortgage rates now seem to be stable and property values continue to increase. So, all in all there is plenty of reasons to be optimistic your investment is sound and profitable.

Is using a specialist expat mortgage broker for you?

If so, the broker will take control of the mortgage process, therefore relieving you of the stress and paperwork. They will be able to deal with the mortgage company supplying the loan and answer any queries they may have, saving you time and money.

Items you will need to apply for an expat mortgage

Contact details

Property purchase details

Deposit available

Certified proof of address

Certified ID (Passport)

Bank statements (Normally 6 months)

Wage slips (Normally 6 months)

Certified accounts if self-employed.

These requirements vary from lender to lender and the above is just to give you a guide to help speed up the process. Contact us for any assistance you may require.

Help required?

If you are an expat looking for a new or re-mortgage, please do get in touch and one of our fully qualified independent advisers will be happy to assist.

 

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Expat Landlords Needed !

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Expat Landlords Needed. Expats looking to invest in UK property

Firstly If you are an expat and considering buying a new property. As such in the UK or expanding your current portfolio you may wish to read on!

Rents around the Country are set to soar

Rents are set to surge by 17% over the next five years. This as a shortage of properties pushes up prices.

The reduction of new property coming to the market last month was the most striking aspect of the market, with 27% more surveyors noting a fall rather than a rise in new landlord instructions. It is the eighth consecutive month of declining supply.

The shortfall will have a limited impact in the short term, raising rents by around 2-4% nationally, but by 2029 there will be a significant increase in costs for tenants, according to the findings.

Raising an expat UK mortgage

Finding a property you want in the UK is the first step and is relatively easily done. The next issue to address is raising that all important expat mortgage.

Good news is this is not as difficult as it sounds so don’t be put off or misinformed. Always by what you may hear from the banks overseas. The expat mortgage market has grown significantly over the last 2 years and lenders are very keen to secure your business.

With the correct advice and support securing an expat mortgage can be a very simple process. Getting this support is a vital component in the chain of events, due to the applicant’s location, as it is likely he or she will be living abroad.

Using a broker registered with the FSA in the UK you’ll enjoy a number of advantages compare to “going it alone”.

These include:

  • Choice of deals currently available
  • Choice of lenders
  • Expert advice
  • Fully qualified adviser
  • FSA regulated

Can we assist?

Finally If you require help with your new or re-mortgage, please do contact. One of our fully qualified independent advisers.

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Can A UK Expat Remortgage Their UK property ?

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Can A UK Expat Remortgage? Expats are releasing equity due to higher loan to values (LTV) deals on offer

Firstly Expat mortgage business is very buoyant currently. In particular the re-mortgage area as expats look to released locked capital within their UK properties. So can a UK expat remortgage?

A recent report shows the average amount released currently stands at over 40,000 per case. This as of February this year and the number of re-mortgages rose by 26.3% year to date.

This high activity is attributed to the much-increased LTV deals on offer now and expats seeking new investment opportunities.

Our director of expat mortgages commented “It would seem expats are re-mortgaging their current UK property to raise funding for further purchases within the buy-to-let market”.

Over the coming week’s speculation about the possibility of rate rises will continue to dominate the news and have an unsettling effect on the markets. However, this should not dissuade people from re-mortgaging if there is a financial benefit to the borrower.

There are many very good re-mortgage deals on offer currently with good interest rates being available. If you are considering a re-mortgage, it may well be prudent to explore what fixed deals are on offer as at some stage interest rates are likely to rise.

Expats who avoid reviewing their current mortgage deal could well pay for this error in the long term.

Not everybody will benefit from changing their mortgage, but it certainly makes sense to check how your existing deal stands up to the future.

A “wait and see” approach is best avoided for existing expat UK homeowners considering re-mortgaging.

Can we help?

Finally If you are contemplating a new or re-mortgage, please do make contact. One of our fully qualified independent advisers who will be happy to assist.

 

 

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Can a UK Expat get a Mortgage ?

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Can A UK Expat get a Mortgage/ Real value for money and long-term security in the UK property

Firstly The UK property market offers really good value for money if you own a property or can afford to buy one. So can a UK expat get a mortgage.

Anybody who has owned a property in a good area of the UK over the last 15 years would have seen their investment grow substantially.

Traditionally the UK property market has always offered good value long term investment potential and there is no reason to believe this will not continue long into the future.

Selecting a mortgage to suit your needs can be complicated

Securing an expat mortgage doesn’t have to be difficult. It is always recommended to get expert independent professional help. Using a specialist expat broker will without doubt give you the edge as they will be experienced in this type of mortgage process.

New higher loan to value (LTV) expat mortgages!!

 There are now up to 90% LTV mortgages available at advantageous rates. So, unlike the past expats have a lot more choices available which can only be good news.

 Expats with salaries paid in the following currencies can apply.

 These deals are open to expats abroad with proven salaries in the following currencies.

Sterling, Euro, Swiss Franc, Norwegian Krone, US Dollar, Canadian Dollar, Singapore Dollar, Hong Kong Dollar. As well as UAE Dirham, Kuwaiti Dinar, Qatari Riyal, Australian Dollar, New Zealand Dollar, Danish Krone, Swedish Krona, Saudi Riyal.

Need assistance?

Finally Our professional team of fully qualified independent advisers are used to dealing with all types of expat re-mortgage/mortgage business. Please do call to discuss your requirements and we will be happy to help.

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Best Time For Expat Mortgage Deal

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Best Time for Expat Mortgage Deal. The next two years will be very buoyant for expat buy-to-let’s experts say!

So what is the best time for expat mortgage deal? Independent research reveals expat lenders are expanding their product range for buy-to-let and limited company mortgages.

Also, and very importantly with higher loan to values available!!

Limited company buy-to-let mortgages now account for nearly 40% of all products on offer to the expat investor.

Not all lenders offer buy-to-let mortgages to expat limited companies, but we can confirm this is changing all the time. More lenders are recognising limited company business is going to become a great deal more popular than years gone by.

The cost of a limited company mortgage is higher than the normal product, plus some set-up fees are higher. Most of the fee’s payable are on a percentage basis and range from 0.5% to 1.5% and an investor should be very careful of their choice.

The UK rental market is currently booming.

The key to any successful investment is ensuring you have a sound strategy. For property, this means a combination of fundamental elements that theoretically add up to you finding a property that will deliver growth and provide a regular rental income (if this is a goal), allowing you to passively grow your wealth over time.

These elements are good location, connectivity, amenities, infrastructure, and investment and of course tenant demand which, if you get the first four right, should come naturally.

For speed and efficiency use an independent broker

The broker will take control of the mortgage process, therefore relieving you of the stress and paperwork.

They will be able to deal with the mortgage company supplying the loan and answer any queries they may have, saving you time and money.

Help required?

 If you are an expat looking for a new or re-mortgage, please do get in touch. One of our fully qualified independent advisers will be happy to assist.

 

expat mortgage approvals holiday let mortgages

Choose An Expat Mortgage

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Choose An Expat Mortgage. Selecting an expat mortgage to suit your needs

Securing an expat mortgage doesn’t have to be difficult.  it is always recommended to get expert independent professional help. Using a specialist expat broker will without doubt give you the edge.They will be experienced in this type of mortgage process. So how to choose an expat mortgage.

Many expats try to go it alone and secure their own mortgage. This of course can be done but living abroad whilst applying does present quiet a few challenges. Time difference and communication problems to mention a few!!

Expats now have a bigger choice of mortgages available. Including the new higher loan to value deals.

Real value for money and long-term security

The UK property market offers really good value for money if you own a property or can afford to buy one.

Anybody who has owned a property in a good area of the UK over the last 15 years would have seen their investment grow substantially. So how t

Traditionally the UK property market has always offered good value. As long term investment potential there is no reason to believe this will not continue long into the future.

More expats choosing independent broker assistance for mortgages advice.

The number of expat mortgages coming through independent brokers has risen steeply over the last 2 years. This figure now stands at 82% from 66% last year.

There has been a steady increase in mortgages sold by intermediaries to expat buyers and re-mortgagers as the market remains very buoyant indeed in 2025.

Assistance required?

If you would like help with your new or re-mortgage, please make contact. One of our independent advisers will be happy to help.

uk property expat rental property

UK Property Investment for UK Expats

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UK property investment for UK Expats. Values are showing very positive signs

Experts believe UK property values will rise between 4% & 7% across the UK. This year according to figures released by one of the major high street mortgage lenders.

If these figures are achieved it will reverse the current decline of this year. The report also states increases in values could be stifled by the possibility of further cost of living increases.

As an expat with property in the UK if you compare this annual growth to what could be achieve from an investment in any high street bank. Property looks a very good bet indeed. This is why UK property investment for UK Expats only continues to rise.

Interestingly the report states they expect growth to slow slightly more in the London area than elsewhere. It is likely properties in the North of the country will see the largest growth due to their current affordability.

Expat mortgages are readily available

Great news for the expat investor looking to buy or re-mortgage. Plus now there are mortgages available with high loan to values! Interest rates seem to be stable so all in all it could be a good time to invest.

Property is still in short supply.

 There has been and still is a shortage of supply which constrains activity in the housing market and levels of house building remain lower than years gone by.

It is believed due to the shortage of property available that house prices will remain stable for the foreseeable future which spells good news for expats with property in the UK.

 Need some help?

If you require any assistance with your new or existing mortgage, please do contact us. One of our fully qualified independent advisers who will be happy to help.

uk property holiday let expat buy-to-let

Highest LTV Mortgage For UK Expat ?

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Highest LTV Mortgage For UK Expat ? New higher loan to value (LTV) expat mortgages are now expanding.

Just released, there are now up to 90% LTV mortgages available at advantageous rates. So, unlike the past expats have a lot more choices available which can only be good news.

Check if you qualify and what is the highest LTV mortgage for UK Expat?

These deals are open to expats abroad with proven salaries in the following currencies.

Sterling, Euro, Swiss Franc, Norwegian Krone, US Dollar, Canadian Dollar, Singapore Dollar, Hong Kong Dollar, UAE Dirham, Kuwaiti Dinar, Qatari Riyal, Australian Dollar, New Zealand Dollar, Danish Krone, Swedish Krona, Saudi Riyal.

Estate agents around the country are reporting a high demand. In particular for low end quality properties with first-time expat buyers being very active.

The UK property market continues on an upward spiral and offers longer term growth and security. Mortgage lenders are offering good interest rates to attract new business. So if you are contemplating investing now would seem a good time to buy in the UK.

LTV Mortgage Offers

There is little doubt the attractive mortgage interest rates and higher loan to value deals currently on offer have played a key role in driving these figures.
Expat borrowers have taken advantage of the current rates and used a re-mortgage in particular to their benefit.
Interest rates and higher loan to value deals are certainly in the borrower’s favour at present. But there is always a lot of debate of how long these rates will last. All of this in mind it could be a very shrewd move to consider your own mortgage position.
It is very commonplace for clients with a mortgage to just leave it as is. They are not aware of the savings that could be achieved with a re-mortgage.
As an expat do check your current mortgage as you could be paying more than you need to!!

Need assistance?

If you require help with your current or new mortgage, please contact us. One of our experienced independent advisers who will be happy to assist.

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What Is The Highest LTV Mortgage For An Expat ?

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What Is The Highest LTV Mortgage For An Expat ? New higher loan to value expat deals have impacted the market significantly

The expat mortgage market has seen a huge upturn in recent weeks due to the new higher loan to value deals that are available.

Interest rates seem to be stable which has added to the surge in business. Expat enquiries are at record highs with the re-mortgage market leading the way.

Why re-mortgage? So What is the highest LTV mortgage ?

There are many reasons you may wish to consider a re-mortgage, and it is without any doubt something every expat homeowner should consider, especially if you are stuck on your current lenders standard variable rate. It is not always best advice as your current deal may have conditions that are not beneficial, but you should take time to review on a regular basis. So why re-mortgage?

1) Secure a better rate of interest than you are currently paying.
2) Change current deal to a fixed rate for long term security.
3) Raising capital from equity within your property.

Expat mortgages are now easier and quicker to complete than ever before.

The time it takes to complete a new or re-mortgage for expat’s has reduced significantly in the last 2 years.

The industry is seeing a new application in a straightforward case complete in a matter of weeks rather than months.

Expats are now using an independent broker more than ever before to secure their deals whether it be a new or re-mortgage.

A survey showed using a broker will reduce completion times. They are fully versed in the expat mortgage process and able to react to the lender’s requirements much quicker.

Like to know more?

If you require help with your new or re-mortgage, please do contact.  One of our fully qualified independent advisers who will be happy to assist.

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Can a UK Expat Get A 90% Mortgage ?

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Can a UK Expat Get A 90% Mortgage ?  Expats are very keen on the new 90% loan to value deals!!

The average number of expat enquiries has risen dramatically this financial year. So Can a UK Expat Get A 90% Mortgage?  As expats look to get a foothold on the UK property ladder especially now the higher loans to value are available.

Even with all the uncertainty around the world the UK property market is still seen as one of the most lucrative. The majority of working expats living abroad always want to retain and add to their UK property portfolio. Also as markets in other European Countries simply do not return the same profits.

Rising levels of mortgage enquiries, applications and completions shows that a significant number of expat first-time buyers are still both willing and able to get a foot on the UK property ladder.

UK property values remain stable. Additionally rentals are in great demand!  This is a testimony to the long-term potential growth this market offers.

Even with all the uncertainty in Europe and the UK the market remains resilient and profitable. Which is why expats see this area as good financial security.

Who is looking?

US house hunters are watching the market most closely, accounting for nearly 70,000 searches in the first quarter of this year, as shown by the list below of the top 3 countries where buyers are searching from:

USA, Hong Kong, Ireland and Europe in general

Owning property in the UK is a goal of many overseas property investors including expats, it’s clear a rise in the proportion of searches for UK property which are taking place overseas since June 2020.

Can we help?

Finally if you are looking to invest in the UK, please do contact us. One of our qualified independent advisers will be happy to assist.