expat mortgage approvals holiday let mortgages

Expat Buy to Let

Expat Buy To Let. As an expat are you thinking of entering the buy-to-let market in the UK?

With UK property prices easing all the time if you are contemplating entering the market this could well be a profitable time.


Property prices are falling.

Potential bigger gains on a later sale.

Experts are predicting property price increases will return in middle to late 2024.

Regular monthly income from rental income.

Increasing waiting list of tenants looking for value in the renting market.

Expats, there are bargains to be had at the auctions!

Auctions are a great way to add to a buy-to-let portfolio or start one. With a wide range of bargains often going under the hammer.

Among the many attractions of buying property at auction is that purchasers avoid the conventional drawn-out process of property buying. As such the property is sold in a matter of minutes as soon as the hammer falls.

Preparation is key.

But before attending and bidding on property at auction, investors must conduct all necessary due diligence. Ask yourself ……

Have you carefully read the conditions printed in the catalogue?

Have you made financial arrangements to ensure you have a 10% deposit ready for payment on auction day? When the contracts are signed and access to the remaining 90% within 28 days?

Need financial help?

If you are looking for a new or re-mortgage, please do make contact and one of our qualified independent advisers will be happy to assist.

Expat Wisdom !

Expat Wisdom. The wise expat will use an independent broker!

Borrowers going through an independent mortgage adviser have access to many more mortgages than those going direct to the lender, including specialist mortgages for the self-employed and later life lending solutions such as lifetime mortgages.

Homeowners who benefitted from a mortgage adviser searching the market for the best mortgage deal were more likely to have switched in the last five years (29%), compared to just 19% of those who went direct.

Expat borrowers who used a mortgage adviser were also overwhelmingly in favour of doing so again. 98% said that they found the support of a mortgage adviser ‘valuable’ and a further 95% said they would recommend using a mortgage adviser to family or friends.

Expat mortgages are now quicker to complete.

 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. A straightforward re-mortgage is now on average completing in less the 6 weeks which is significantly quicker than this time last year.

A survey of expats applying for a mortgage was taken recently and it clearly showed one of the most important factors in the mortgage process was the speed of advancement, a close second was ease of application.

Good news is the lenders have taken notice of the findings and have reacted well by speeding up the process considerably.

Help required?

If you would like to review your current expat mortgage please do make contact and one of our expert independent advisers will be happy to guide you.


expat mortgage approvals holiday let mortgages

Holiday Let Mortgages

Holiday Let Mortgages. Weaker pound encourages expats to the holiday let market.
New research reveals that expats and foreign nationals are snapping up UK property, while the pound is weak, and prices remain affordable outside London and the Southeast.
The new figures show that there has been a 23% year on year increase in expats and foreign nationals investing in UK property. These buyers are investing in both buy-to-lets and Holiday lets.
The research also reveals that in 2023, 60% of expats and foreign nationals buying property in the UK, opted for the Manchester area, while 25% choose Birmingham.
However, London has seen a 60% drop in buyers, this is the result of high property prices and poor rental yields, compared with other regions of the UK.
What may surprise many is that in real terms, property prices in the UK have fallen compared with a decade ago and there is a huge North-South divide. In London, the average property value has risen by nearly 70% in 10 years, whereas some other areas have fallen as much as 40% in real terms.
This growth in investors is partly down to the availability of a wider selection of mortgages designed for working expats and foreign nationals.
Investors are also attracted by the UK’s robust legal system for property acquisition, which makes it one of the easiest places in the world to buy property.
Can we help?
If you would like to know more about the range of mortgages available to expats, both new and re-mortgage please do make contact. We have a fully experienced and qualified independent team waiting to assist you.

yacht crew expat mortgages

Stability in Property Investment

Stability in Property Investment. UK property offers stability for the expat investor.
The UK property market without doubt still offers 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 10 years would have seen their investment grow substantially.
It is expected that house price increases will level out as the year goes on. With a steady and reliable growth rate, again spelling good news all round.
At present the outlook for 2023/4 and beyond is very positive. As such within the UK property market, the signs are this will continue for the foreseeable future.
To sum up – traditionally the UK property market has always offered excellent value. Also long term investment potential and there is no reason to believe this won’t continue.
The expat mortgage market is very complex, and you should seek professional advice as to what product best meets your needs. We have a select number of companies offering very favourable rates which are tailored to suit most needs, including buy to let.
Items you will need to apply.
– Contact details, email, WhatsApp etc
– 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.
Can we assist you?
If you are looking for a new or re-mortgage do get in contact and one of our qualified independent advisers will be happy to help