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Best Expat Buy-to-Let Mortgage

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Best Expat Buy-to-Let Mortgage. Expat buy-to-let market strengthens.

Times are hard for first time buyers at present which has strengthened the buy-to-let market even more.

Young couples and first-time buyers looking to join the property ladder could be in for a very long wait. Figures just released this week are showing that a combined salary of £62000 is required on average to enter the property market.

As a result of all this many couples are turning to the rental market for housing, and this is providing a boost in demand for landlords and buy-to-let investors.

This in turn is creating a shortage of suitable properties coming onto the market especially in the London and Southeast.

UK property growth in 2026

Experts believe UK property values will rise between 3% & 6% across the UK next year. This according to figures released by one of the major high street mortgage lenders.

If these figures are achieved it will reverse the current decline of this year, the report also states increases in values could be stifled by the possibility of further cost of living increases.

As an expat with property in the UK if you compare this annual growth to what could be achieve from an investment in any high street bank, property looks a very good bet indeed.

Interestingly the report states they expect growth to slow slightly more in the London area than elsewhere. It is likely properties in the North of the country will see the largest growth due to their current affordability.

Top tip for speed and choice!

Using an independent broker could be a very shrewd move as they will access to the open market. They will also have the experience to advise you on the correct mortgage to meet your needs.

Mortgage assistance?

If you are contemplating entering this market or require assistance with a re-mortgage, please do contact us. We have experienced independent advisers who will find the correct deal for you.

 

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British Expat Needs A Mortgage

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British Expat Needs A Mortgage. Selecting a mortgage to suit your needs can be complicated and frustrating!

Getting an expat mortgage can be straightforward with independent expert help. A specialist broker experienced in expat mortgages can simplify the process and improve your chances.

New higher loan to value (LTV) expat mortgages!!

 There are now up to 90% LTV mortgages available at advantageous rates. So, unlike the past expats have a lot more choices available. Which can only be good news.

 Expats with salaries paid in the following currencies can apply

 These deals are open to expats abroad with proven salaries 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.

Expats now have a bigger choice of mortgages available to them including the new higher loan to value deals.

Real value for money and long-term security

The UK property market has historically provided solid long-term investment value, with significant growth for owners in desirable locations over the past 15 years. This trend is expected to continue for years to come.

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 or contact us to discuss your requirements and we will be happy to help.

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Are Expat Mortgages Brokers Needed ?

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Are Expat Mortgages Brokers Needed ? The wise expat will use an independent broker for speed and efficiency!

Independent mortgage advisers offer borrowers a wider range of options. Including specialist products for self-employed individuals and lifetime mortgages, compared to going directly to lenders.

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 buy-to-let investors have increased significantly in 2025.

This is still a growth area for investors as more expats see the buy-to-let market as a sound option for the future especially with property prices reducing nationwide.

Traditional forms of investment such as banks and building societies are still producing poor returns so investors are looking elsewhere.

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

Expats would be wise to research the area of purchase thoroughly. To 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. When choosing a buy-to-let property, ensure it’s in a location that suits your target tenants—proximity to schools, shops, and businesses are all key factors to consider.
  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.

Help required?

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