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Mortgage for UK Expats

Mortgage For UK Expats

Expats are using auctions to expand portfolios.

Due to the shortage of property perspective expat buyers seem to be turning to the Auction houses. Recent reports show residential property sales are increasing at a rapid rate.

This increase could well be due to the buy-to-let market booming at present. Getting a mortgage for UK Expats has never been easier. As such existing expat landlords are increasing their portfolios as demand grows for good rental properties nationwide.

Are bargains to be had at auction?

The very simple answer is yes!

Auctions are a great way to add to a buy-to-let portfolio, with a wide range of bargains often going under the hammer. But as any shrewd expat buy-to-let landlord will know, there is more to buying property than simply turning up and making a bid.

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

If you choose this route to buy, then be prepared!

But before attending and bidding on property at auction, investors must conduct all necessary due diligence. Two vital things to understand.

  • 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?

Mortgage advice?

If you need assistance with a new or re-mortgage, then please contact our expert independent advisers who are waiting to help.


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UK Expat Mortgage

UK Expat Mortgage.

Expat with a UK mortgage?

Mortgage rates are unlikely to improve in the near future. So now is the ideal time for Expats to secure a fixed-rate deal on their mortgage if it’s financially viable.

Expats who are on a standard variable rate (SVR) or coming to the end of their term have the potential to save themselves thousands of pounds on their mortgage.

Is it a good time to buy in the UK?

The very quick and simple answer is yes!

The affordable properties that are available to purchase seem to be diminishing on a daily basis. This without doubt will mean higher prices you have to pay in the future. Prices are reasonably stable at present, and sellers are prepared to accept an offer to sell.

Selecting a mortgage to suit your needs.

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

What a broker will do for you to save time and money?

The independent 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. As such they can 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 and one of our fully qualified independent advisers will be happy to assist.


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Expat Buy-to-Let

Expat buy-to-let.

The Expat mortgage market is stable and thriving.

The expat buy-to-let mortgage sector has been more resilient than the residential mortgage one during the past six months.

Despite initially pulling deals from the market, mortgage choice has been on a broadly upward trend since July 2023, while the small fall in average rates suggests the market remains competitive and lenders are keen to do business.

Limited company expat buy-to-let mortgages.

As this area of expat buy-to-lets mortgages grow so has the choices to the borrower. Mortgage providers have not been slow to increase the number of fixed and tracker deals. Also, the charges and interest rates have reduced as popularity has increased which goes to prove lenders are in fierce competition to secure new expat business.

Buy-to-let limited company mortgages.

The majority of the expat buy to let purchase transactions made through limited companies last year were related to additional property acquisitions, although the figures also include expats selling property they already own personally into a corporate structure.

All transfers of properties from individuals to limited companies must be treated as a new purchase, and therefore do not qualify as a re-mortgage.

Confidence in brokers increases at a fast rate!

Expat landlords will know only too well how difficult it is selecting the correct mortgage deal due to the complexity of an expat mortgage. The last 3 years has seen a massive shift towards expats using a professional independent broker to secure the correct mortgage for their needs. This trend is continuing into 202’ with broker related deals increasing year on year by 34.6%.

Can we help?

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

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Expat Rental Property

Expat Rental Property.

Expat buy-to-lets are stable and producing positive returns.

Rental income is still increasing and tenant demand for buy-to-let properties remains consistently high. These conditions are keeping expat landlords on a very positive footing after so much adverse news in the last six months.

The general feeling within the expat landlord community is that things will remain fairly stable in the coming months. One expat commented “my confidence remains high as I know it is so difficult for couples to get onto the property ladder with ever increasing property prices”.

Expat Rental Survey

A recent survey of expat landlords shows that over 60% have seen a large increase in demand for rental properties within the last 6 months. A multiple expat owner in the north said, “I have never found it so easy to let any of my properties, whether it is a 2 or 3 bedroomed seems to make no difference at all”. “I am finding rents are remaining stable and easily keeping pace with inflation so all in all I am very pleased”.

The survey also reported that a lot of expats intend to increase their property holdings over the next year. The consensus is that buy-to-let property over the long term is still a very sound and solid investment.

Where to invest is a question always being asked. Recent reports show that Manchester, Hull and the Blackpool areas are currently seeing very good growth. This is all due to reasonable house prices compared with the South of England. As well as an increased demand for rental property.

Can we assist?

It is vital to get the right mortgage to suit your needs. We have a team of fully qualified independent advisers waiting to help you. Do Contact Us to discuss your circumstances