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Brit Expat Mortgage

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Brit Expat Mortgage. Expats living overseas

It’s no secret that most European properties do not give the sort of investment returns that one in the UK does. So its little wonder expats look to secure property in their homeland.

Who needs an expat mortgage and what are the typical reasons? 

Britons living abroad, either temporarily or permanently, will need to obtain a mortgage from a lender that has chosen to lend to expats.

Typically, expats are looking to invest in buy-to-let property whilst living overseas, perhaps to provide an income in retirement or even to live in upon their return.

New higher loan to value (LTV) expat mortgages are now expanding.

 Recently released, 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.

If you are an expat and have a proven salary in any of these currencies, you may qualify.

 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.

What does an independent mortgage broker do for expats?

Essentially, they are there to help expats find the best mortgage deals in the UK. They aim to make that as simple and stress-free as possible. And looking at each person’s situation and finding the best product to match their needs. Being independent is essential as they will have access

Need assistance

If you are an expat looking to secure a mortgage in the UK, please do make contact. One of our qualified independent advisers will be pleased to help.

 

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UK Expat Mortgage Rates Are Low

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UK Expat Mortgage Rates Are Low. Expats are seeking UK security as world conflicts increase

Many expats are choosing to keep or buy UK homes for safety and security in today’s uncertain world.

UK Expats based in the Middle East can find comfort in the security and flexibility a UK property offers.

There is little doubt expats are looking for security in these turbulent times as mortgage enquiries are at an all-time high.

There are currently higher loan-to-value options available to support both new applicants and those seeking to remortgage.

Is it time to review your current expat mortgage?

As an expat when was the last time you checked what interest rate you are paying?

In order to re-mortgage effectively, it’s important to first establish the purpose of re-mortgaging.

Many UK expat and foreign national investors re-mortgage to secure lower rates or stabilise their finances.

Some investors remortgage to buy more properties, a strategy that works best for those with experience, sizeable capital gains, or low loan-to-value ratios since they can secure better terms.

There are currently attractive low loan-to-value options available that may offer significant benefits. Please contact us to learn more about these opportunities.

Selecting a mortgage to suit your needs.

Obtaining an expat mortgage can be straightforward with the appropriate guidance, seeking expert professional assistance is highly advised. Engaging a specialist expat broker offers distinct advantages, as they possess a great deal of experience with this particular mortgage process.

Assistance required.

If you would like help with your new or re-mortgage, please make contact. One of our independent advisers will be happy to help.

 

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Best Expat Mortgage for UK property ?

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Best Expat Mortgage for UK property ? Expats landlords – What is in store for 2026

The new year is here, prompting us to plan for what’s ahead.

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 and help smooth the way forward.

Many positives for this year!

Expat investors, both new and established, may be reassured by the sustained high demand for quality rental properties in the UK. Mortgage rates appear to have stabilised, and property values are consistently appreciating.

So, all in all there is plenty of reasons to be optimistic your investment is sound and profitable.

Expat mortgages are completing faster.

The duration required to finalise expat mortgages has decreased considerably over the past twelve months.

Straightforward cases in the industry now finish in under 7 weeks, far faster than a year ago when completion times were much longer.

Use an independent broker for speed and efficiency.

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 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 and one of our fully qualified independent advisers will be happy to assist.

 

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Investment Property for Expat Brit

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Investment Property For Expat Brit. Expat buy-to-let, or holiday let which suits you??

Recent data shows that in 2025, the average holiday let earned over £27,000 annually. And more than twice the £12,700 average for residential properties.

The average holiday let property generates a whopping £1340 a week, almost five times the average weekly rent in the UK.

There are now over 200,000 holiday let properties in the UK.  In fact do consider too the average income per booking up 6.4% in the last quarter of 2025.

Holiday hotspots

The areas in the UK where holiday let rental growth was fastest in the last four months of 2025 were as follows.

South of England (+20.3%),

Cornwall (+16.5%),

Devon (+11%),

Cotswolds (9.4%).

The rise in rental income is being boosted by international and domestic visitors looking for short-term stays in popular UK holiday destinations.

Expat mortgages.

The available options encompass fixed, tracker, and standard arrangements. Many of which feature advantageous discounted periods. Equally it is advisable to consult with a qualified independent adviser who can offer guidance on the latest market offerings. And such consultation may result in substantial long-term savings. Importantly interest rates remain competitive, and several attractive longer-term fixed deals are currently accessible.

Selecting a mortgage to suit your needs

Securing an expat mortgage doesn’t have to be difficult. Clearly it is always recommended to get expert professional help. Therefore using a specialist expat broker will give you the edge as they are fully experienced in this type of mortgage process.

Can we help?

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