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Best Expat Mortgage Broker

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Best Expat Mortgage Broker. Is engaging a specialist expat mortgage broker right for you?

Should you decide to proceed, the broker will assume responsibility for managing the mortgage process, thereby alleviating much of the associated stress and administrative burden. They will liaise directly with the lending institution to address any inquiries, ultimately saving you valuable time and financial resources.

Selecting a mortgage to suit your needs will save money in the long term

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.

Expats landlords – What is in store for 2026 and beyond?

With the fresh new year just a few months away, thoughts of course turn to planning for what might be coming over the horizon!

For the expat buy-to-let market there have been some significant ups and downs, particularly for expat landlord borrowers who have had deals ending in the last few months, and indeed who are looking at what finance they can secure in the future, from both a purchase and re-mortgage perspective. Getting specialist help will help ease these issues.

Many positives for 2026 in an unstable world!!

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.

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.

 

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Who Needs An Expat Mortgage? 

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Who Needs An Expat Mortgage?  Britons abroad must seek mortgages from lenders serving expats. Many invest in UK buy-to-let properties, aiming for retirement income or a future home.

Expats often earn higher salaries overseas with lower living costs, giving them more disposable income to invest.

Value for money

The UK property market continues to be an area of interest for investors. Over the past decade, individuals who have owned property in well-regarded areas of the UK have experienced increases in their property values.

Historically, the UK property market has been regarded as having long-term investment potential.

Expats still looking at buy-to-lets for income and stability

A recent report has indicated an increase in enquiries from expatriates regarding buy-to-let properties in the UK.

According to financial intermediaries, 70% of respondents noted a rise in enquiries from British expats seeking buy-to-let mortgages for UK property.

The report suggests that this trend may be related to the relative strength of foreign currencies against the pound, which has influenced investment decisions.

More expats choosing independent broker assistance than ever before!

Expat mortgages arranged by independent brokers have surged in the past two years, with steady growth seen among expat buyers and those remortgaging as market conditions stay strong.

Why pick an independent broker?

  • Wide mortgage options
  • Qualified advisers
  • UK-based support
  • Automated process
  • Quick completion

Mortgage advice?

If you need assistance with a mortgage including re-mortgage, then call our expert independent advisers who are waiting to help.

expat landlord mortgages

Expat Mortgage Broker Near Me

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Expat Mortgage Broker Near me. Buy-to-let as an investment is rising rapidly in 2025

More expats than ever before are exploring the options open to them. This is likely due to all the uncertainty in the world today.

Lenders are expecting more activity in the expat buy-to-let market in 2026. And beyond as expats want security that a UK property offers in the long term.

A recent survey stated 80% of expat lenders expected demand to grow over the coming months. All the early signs this year show they are correct as demand is up 27% on the same period last year.

Expat mortgage providers are keen to point out that there are good deals in the marketplace both fixed and variable rates. Now some deals have much lower loan to values, in some cases up to 90%

As an Expat landlord consider an Expat Mortgage Broker

According to a new report recently released of existing expat landlords over 40% said they were completely unaware of the potential returns this type of letting can produce.

The number of students is rising at a rapid rate and over the next decade. The figure is expected to double. One other very important factor many expat landlords miss is that the UK is becoming a very popular destination for foreign students which again is a very lucrative market.

The 5 main reasons why expats should consider this type of business:

  • High yields: Depending on location between 8%-10% net yield is possible.
  • Managed & Maintained: Plenty of very good local companies with experience in this type of letting.
  • Demand: Rising student levels means there is always a demand for this type of property.
  • Shifting priority: Students have shifted since the rise of tuition fees to private shared letting.
  • Options open: Any landlord interested in this type of business can invest.

The expat mortgage market can be very complex. Therefore 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.

Need assistance with your mortgage?

Our independent expat advisers have extensive experience with single and multiple buy-to-let mortgages.  Contact Us to find out more. We offer a range of plans and can discuss your needs.

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Can A Brit Expat Get A Fixed Rate Mortgage ?

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Can A Brit Expat Geat A Fixed Rate Mortgage ? Expats are advised to review their monthly mortgage payments to ensure accuracy and compliance with current financial obligations.

Switching from an unfavourable mortgage could save you up to £3,000 per year.

It’s estimated that over 20,000 expats are languishing on their lender’s standard variable rate (SVR). Also if you are one of them it would be a wise move to review your mortgage NOW.

How to save

Start investigating into switching your mortgage at least three months before your initial term ends. Therefore when the initial term of a mortgage ends, lenders transfer customers onto their Standard Variable Rate (SVR).

Get professional help to secure the best possible deal to meet your ongoing needs.

Overpay while interest rates are favourable – Interest rates may have crept up recently but they’re still historically low. If you’re in a position where you can afford to overpay on your mortgage, this is as good as investing money long term as it can reduce your overall debt.

Expats are tending to fix for longer

Popularity of longer-term deals had waned at the start of the year. With expat borrowers opting to fix their mortgage for two years, according to the latest report.

Greater competition from lenders keen to lure in borrowers for longer terms and rate rises on five-year deals increasing far less than those of the two-year options has caused a shift.

In April this year demand for five-year fixed-rate re-mortgages went up 40%, representing half the market according to the report. In March they made up just 28% of this market.

It also emerged the number of expat borrowers using a independent broker to re-mortgage has also hit a record high in April and May increasing from 72% in March to 84%.

Can we help?

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

 

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Brit Expat Mortgage Advice

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Brit Expat Mortgage Advice. 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.

  • Positives to consider
  • Property prices are falling.
  • Potential bigger gains on a later sale.
  • Experts are predicting property price increases will return in middle to late 2026.
  • Regular monthly income from rental income.
  • Increasing waiting list of tenants looking for value in the renting market.

Get professional help, save time and money

It’s a fact that expat borrowers going through an independent mortgage adviser have access to far more advantageous deals. Rather than those going direct to the lender. Also have you heard about the new higher loan to value deals on offer??

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. And 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 the property is sold in a matter of minutes as soon as the hammer falls.

Preparation is key to a successful purchase

Before attending and bidding on property at auction, investors must conduct all necessary due diligence. Do your homework on the property you are looking at!!

Need assistance?

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