uk property when living abroad

Buying Property in the UK When Living Abroad

Buying Property in the UK when living abroad.

Expat buy-to-let investments will continue to offer attractive rates of return compared to other asset classes, expat investors have increasingly searched out cheaper and higher yielding properties, research has found.

Living abroad and buying a UK flat, apartment or house doesn’t have to be a tedious task, the best way to proceed is to engage an independent expat mortgage adviser as they will have access to all deals available. They also will be local and able to deal with question as they arise.

 As an expat thinking of entering the Buy-to-Let market.

More and more expat investors are considering entering this market for various reasons. What can a buy-to-let investment offer you? Buying property in the UK when livinga broad may be easier to finance than you realise.

Interest only mortgages

Good potential returns on capital invested.

Tax efficiency

Attractive mortgage interest rates

Potentially better returns than on offer at high street banks

Nearly half of 25 to 34-year-olds live in the private rented sector (46%), almost double the percentage in 2006 (24%). There has also been a considerable increase in the proportion of 35-44-year-olds in the private rented sector over the past decade, rising from 11% to 29%.

Expat buy-to-let mortgages play a vital role in supporting housing supply in the private rented sector, with the market representing nearly 13% of new UK mortgage lending.

Can we help?

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

buy to let expat mortgages housing

Are Expat Mortgage Rates Reducing ?

Are Expat Mortgage Rates Reducing ?

The UK expat buy-to-let market “may have turned an important corner” with major lenders launching lower rates for expat mortgages.

We are now seeing at least one lender offering UK mortgages for expats at a margin of less than 1.5% over the UK base rate. It is another signal that markets are returning to a new normal, with the UK base rate now expected to remain at a higher level than was the case since the financial crash of 2008/2009.

The inevitable result of higher UK base rates is that lenders are having to trim margins to remain competitive.

House prices have remained solid and seem to be recovering in many parts of the UK despite steeply rising mortgage rates, the supply of homes for sale has been outstripped by demand for property.

The expat mortgage market has grown significantly over the last 10 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 an Independent 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.

Selecting the correct deal for you can save a large amount of money in the long term.

Help needed??  

If you need expat mortgage advice, please do make contact and one of our independent advisers will be happy to help.

yacht crew expat mortgages

Positive Expat Market

Positive Expat Market. The Expat buy-to-lets remain positive.

 The expat buy-to-let market has remained stable as more people turn to the private rented sector out of both choice and need.

This news is keeping expat landlords on a very positive footing for the long-term future, research shows more young couples will have to rent due to spiralling house prices.

The debate amongst expat landlords goes on but the latest research points very firmly to a stable and well performing market. Despite the uncertainty around the economy the overwhelming message coming out of the private rented sector is positive and encouraging.

Rents continue to increase at a steady pace which has been the story of 2023, and it really looks like continuing into 2024 and beyond.

Many expat landlords in the private sector are seeking advice on how to proceed with all the new tax changes. Again, the news we are hearing is very positive indeed and it seems the Limited company route is favourite to the majority.

Expat buy-to-let limited company.

Half a decade ago, there would have been few in the mortgage market who might have predicted limited company expat buy-to-let as one of the major growth areas in the years ahead.

But that’s exactly what has happened in the expat buy-to-let sector. The market has shifted to accommodate how expat landlords might wish to take their portfolios forward and how they can try and secure the mortgage interest tax relief which has been steadily cut for those holding properties in their own names.

Can we help?

 If you would like assistance with your expat buy-to-let mortgage, please do contact or call one of our expert independent advisers. We have years of experience in this market and look forward to being of assistance to you.


mortgage calculator expat mortgages uk homes

Expat Rental Advice

Expat Rental Advice. As an expat and therefore not residing in the UK Investing in property whether it’s your first investment or your fifth can give you goose bumps at any time of year.

Whilst property prices are falling, it can be all too easy to get swept up by recent articles of new property trends amongst renters.

As an expat 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.

One of the worst nightmares for an expat landlord is experiencing a long void period. If you committed to your sound strategy, you will have hopefully purchased a good quality property in a high demand area which should help to reduce the risk of a lengthy void period. Another way to help minimise void periods is to keep up to date with the market in that area – in terms of cost and also what you’re offering as a landlord.

Consider the amenities that attract tenants and, importantly what your property could offer to ensure its ripe for the picking when it comes to tenant choice.

Reduce risk as much as possible.

In other words, make sure you have contents insurance, always put your tenant’s deposit into a deposit protection scheme and have a sizeable pot of cash set aside to cover unexpected maintenance costs. Contact Us for all your expat mortgage advice.