Expat Mortgage 10% Deposit

Expat mortgages available up to 90% loan-to-value

A 90% loan-to-value expat mortgage can be a very useful option for UK nationals or overseas residents who want to buy property while keeping their upfront deposit lower.

The main advantage is that it allows the buyer to purchase with just a 10% deposit, rather than needing 20%, 25% or more. For many expats, this can make property ownership possible sooner, especially if savings are tied up abroad, held in different currencies, or being used for relocation, family, business or investment purposes.

Flexibility is key

Another major benefit is flexibility. A 90% LTV mortgage means the borrower can keep more cash available after completion. This can help cover legal fees, stamp duty, furnishing costs, repairs, rental voids, or emergency reserves. For expats buying a UK home to return to later, or purchasing a buy-to-let property, keeping liquidity can be a sensible financial advantage.

It can also help buyers act quickly in a rising property market. Waiting years to build a larger deposit may mean property prices increase, potentially making the purchase more expensive in the future. A higher LTV product can allow an expat buyer to secure a property earlier and benefit from any future capital growth.

Helps retain capital for other projects

For investors, a 90% LTV mortgage may improve leverage. By putting in less of their own money, the buyer may be able to spread funds across other investments or retain capital for future opportunities. This can be attractive where rental income supports the mortgage and the long-term goal is asset growth.

There is also the emotional benefit of maintaining a connection to the UK property market while living overseas. Whether the property is for family use, retirement planning, future relocation or investment, a 90% LTV expat mortgage can provide access, flexibility and opportunity with a lower initial cash commitment.

Can we assist you?

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