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Expat Brit Mortgage Options ?

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Expat Brit Mortgage Options? Expats and the buy to let market

Recent data indicates about 280,000 expats own property in the UK, with most renting them out for extra income.

Demand for quality rental homes continues to grow as many prospective first-time buyers struggle to enter the market.

Rents are currently at record highs and are expected to increase further this year. Despite a challenging year, expat landlords remain optimistic, as UK property values rose 4-5% last year.

Expats are re-mortgaging to release equity.

 Expat mortgage activity is strong, particularly in re-mortgages as expats seek to unlock capital from UK properties.

As of June, the average amount released per case exceeds £48,000, with re-mortgages up 18.5% year-to-date. February and March were notably robust months for expat mortgage lending.

New expat higher loan to value mortgages are now available

The average number of expat enquiries has increased significantly this financial year, as more expatriates seek to enter the UK property market, particularly in light of higher loan-to-value ratios now being available.

Despite ongoing global uncertainty, the UK property market continues to be regarded as one of the most attractive investment opportunities. Many employed expatriates residing overseas consistently aim to retain and expand their UK property portfolios, as property markets in other European countries generally do not yield equivalent returns.

Need assistance?

Our professional independent advisers are used to dealing with all types of expat buy-to-let mortgages, they have vast experience in this area. Please do call to discuss your requirements and we will be happy to help.

 

expat landlord mortgages

Do I Need An Expat Mortgage ?

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Do I Need An Expat Mortgage ? Expats are looking to reap the rewards

Tenant demand has risen in 2025 to hit the highest level recorded since 2014, according to recent demand figures.

62% of landlords who reported increasing tenant demand in the first quarter of 2025 is double that of the same period a year ago. And it’s almost four times the level reported in Q1 2020. Then only 16% of landlords felt that demand was growing.

Over 700 expat landlords were asked to assess tenant demand over the previous three months. A ‘significant increase’ was seen by 41% of respondents.

Taxation and regulation are not a deterrent

While it is clearly important that landlords are taxed appropriately and the sector is regulated to ensure high standards are maintained. Equally the government must ensure that buy-to-let remains attractive enough to expat investors who are vital in supplying the properties needed to meet demand.

More and more expat investors are considering entering this market for various reasons. So, what can a buy-to-let investment offer you?

Interest only mortgages.

Good potential returns on capital invested.

Attractive mortgage interest rates.

Potentially better returns than on offer at high street banks.

Better return on capital invested.

Above are just some of the reasons why more and more expats are considering a buy-to-let investment. If you are thinking of entering this market, you should always seek advice on the types of mortgages available that best suit your needs.

Can we assist you?

If you are looking for a new or re-mortgage do get in contact. One of our qualified independent advisers will be happy to help.

expats uk property london uk mortgage for expat

Are Mortgages Available To UK Expats ?

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Are Mortgages Available To UK Expats? I’m an Expat can I get a mortgage on a UK property?

Scenario

I want to get a UK residential mortgage and have a deposit of about £50,000. I am a salaried employee in a US based company and paid in US dollars

However, I am currently in Asia and am mostly paid by US-based organisations.

Is there any hope for me?

Answer

It is perfectly possible for you to get a mortgage while working abroad if you are salaried 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.

You just need to use a mortgage adviser who is familiar with what are called expat mortgages. These are mortgages for UK nationals who, like you, are working abroad but want to buy property in the UK, whether it’s on a residential or buy-to-let basis.

UK expats do find it harder to get a mortgage than Britons on the mainland. Harder, yes, but not impossible. Especially when you use a specialist independent expat broker. Expat Brokers know which lenders are likely to lend to you and which will do so on the best terms for your personal circumstances.

A specialist should be able to help with interest-only mortgages, financing for the self-employed, buy to let, unusually constructed properties and unusual mortgage terms.

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.

 

expat landlord mortgages

Can An Expat Invest In UK Property ?

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Can An Expat Invest In UK Property? Expats UK property search increases!

The property portal found that searches for UK property by overseas buyers have grown steadily over the last 12 months. The last 3 months has been very active which is due to the very unsettled world we currently live in. Expats are very keen to secure a UK property for future security.

Expat searches now account for 11.2% of all activity on the portal in the first three months of this year, compared to just 3.8% a year ago.

Expat buy-to-let investors on the increase in 2025

This is the main growth area for investors as more expats see the buy-to-let market as a sound option for the future, offering security and regular income.

The demand for good rental property has increased over the last 12 months due to the cost-of-living crisis and other factors.

Expats would be wise to research the area of purchase thoroughly, make sure the long-term future has prospects in the areas listed below.

Ways to be a successful Expat investor.

  1. Select the type of tenant you are targeting this could be a young couple or single person in a professional career.
  2. Make sure when selecting a property for buy-to-let it is in an area which fits your target tenant. Is it close to schools, shops, and local businesses for example all these are important factors when selecting your property?
  3. Selecting the correct buy-to-let mortgage to fit your long-term planning. Do you want a fixed rate or a tracker or indeed any other product that is on offer? It is very important to seek professional advice when it comes to choosing your mortgage.

Need assistance?

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.

active landlords with uk expat property

How Can A UK Expat Invest In UK Property ?

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How Can A UK Expat Invest In UK Property ? Expats are exploring the UK market more than ever before!

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

One agent in the North of the country said, “We are getting a lot of enquiries from people living abroad (Expats) and they want a property at the low end of the market in good condition”.

The UK property market continues on an upward spiral and offers longer term growth and security.

Expat mortgage lenders have now made higher loan to value deals readily available; this is fueling the interest along with the instability around world.

Expat mortgage brokers are also reporting high levels of business this year with the main interest in buy-to-let and holiday lets.

Independent brokers are vital for ease and efficiency

Not only can brokers offer a far wider range of products, ther are options for consumers which they may otherwise not have access to. And or the time to find, but their invaluable expertise will be able to help you secure a great deal on your mortgage.

What a broker will do for you?

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.