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Buy-to-Let for Brit Expats

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Expat Buy-to-Let Mortgages

The selection of expat buy-to-let mortgages comprises fixed, tracker, and standard products, many offering substantial introductory discounts.

It is advisable to consult with a qualified independent adviser who is familiar with the latest market offerings to ensure you select the most suitable solution for your needs. This approach can result in significant long-term financial savings.

Interest rates remain highly competitive, with several attractive options available for longer-term fixed-rate arrangements.

As an expat If you are looking to enter the buy-to-let market consider these points:

  • Target your tenant – Students, young professionals, or families.
  • Purchase the right sized property – Vast majority of tenants want 1-3 bedrooms.
  • Location – Key to any success, near schools, shops or local businesses.
  • Property – Should be clean well decorated and meets government regulations.

Following these very simple tips will ensure you have maximised your long-term potential profitability.

Supply shortages of quality rental properties

A recent report finds that rents are rising due to a persistent shortage of rental homes, with available housing nearly half the five-year average.

Demand for two-bedroom flats has increased, likely because these units are more energy-efficient than larger houses. As the undersupply continues, rents are expected to remain above average into 2025/26.

Need help?

If you require support with your mortgage or re-mortgage, you can contact one of our qualified independent advisers for assistance.

expat mortgages broker london property

How Can A Brit Expat Raise Capital ?

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How Can A Brit Expat Raise Capital ? Expats are using the equity in their UK properties to raise funds

The expat new and re-mortgage market experienced increased activity last year, particularly during the latter part of the year.

Applications for re-mortgages rose by 37% over 2024 and this trend has continued into this year.

With the value of UK property continuing to rise each month, some expats have used this as an opportunity to raise capital for alternative ventures.

Property values are projected to increase over the next few years, though at a slower rate.

The chancellor has indicated that interest rates may rise in the future, but at a gradual pace. These conditions have led to greater capital raising activity among expats.

Lenders have responded by increasing the number of mortgage products available to expats, who now have access to a wider range of options with competitive rates.

There are also a good range of Higher Loan to Values deals now available which has caused a lot of interest!!

Those considering re-mortgaging should weigh both advantages and disadvantages and carefully consider all factors before making a decision.

Seeking professional independent advice is recommended to determine suitability for both short- and long-term needs.

Selecting a mortgage to suit your needs

Securing an expat mortgage doesn’t have to be difficult, it is always recommended to get expert 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.

Need some help?

If you are thinking of re-mortgaging or want advice on a new mortgage, please do call or contact. One of our fully qualified independent advisers who will be happy to assist.

 

 

expat landlord mortgages

Do I need An Ex-Pat Mortgage Broker ?

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Do I need An Ex-Pat Mortgage Broker ? Are you an expatriate with an expat mortgage?

Mortgage rates are expected to remain high, making it a good time for borrowers to secure a fixed-rate deal. Those on a standard variable rate or nearing the end of their term could save thousands of pounds by switching.

The savings can be substantial and very rewarding.

If you’re an expat still on a standard variable rate and haven’t re-mortgaged, now is the time to reassess your options. With interest rates expected to rise soon, it’s wise to consult an independent broker promptly.

There are still competitive fixed, and discount deals available, but they may not last much longer.

First time buyer?

Rising levels of mortgage enquiries, applications and completions shows that a significant number of expat first-time buyers are still both willing and able to get a foot on the UK property ladder.

UK property values remain stable which is a testimony to the long-term potential growth this market offers. Even with all the uncertainty in the world and the UK the market remains resilient and profitable, which is why expats see this area as good financial security.

Independent brokers

Brokers give consumers access to more products and options. And their expertise can help you secure a better mortgage deal.

What can a mortgage broker do for expats?

Their primary role is to assist expatriates in identifying the most suitable mortgage options available in the UK. They strive to streamline the process, carefully evaluating each individual’s circumstances in order to recommend the product that best meets their requirements.

Need assistance?

Our professional independent advisers are used to dealing with all types mortgages. Contact Us today, they have vast experience in the expat mortgage market.

active landlords with uk expat property

Will UK Property Prices Rise ?

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Will Uk Property Prices Rise? Expat borrowing rising again at a rapid rate

Gross mortgage borrowing in the expat sector is up 22% from last year. April and May applications hit an eight-year high.

Approvals reached a record in 2025 and are expected to remain strong into 2026. Re-mortgaging continues to rise as homeowners lock in favourable fixed rates ahead of potential interest rate hikes later in 2025.

Re-mortgage

If you are among the many expatriates who have not yet re-mortgaged and remain on a standard agreement, now is an opportune moment to reassess your financial situation.

Should current predictions prove accurate, interest rates are expected to increase within the coming months, with additional rises anticipated thereafter.

There are, however, still attractive fixed and discounted mortgage deals available, including options with improved loan-to-value ratios.

It is advisable to consider these offerings soon, as they may not remain accessible for much longer.

UK property prices increasing at a steady pace

Recent data indicates that house prices are once again increasing. While growth in June and July was solid, it did not reach the levels observed in previous years; nevertheless, the performance remains encouraging.

Projections suggest that house price increases will stabilize over the next year, with steady and dependable growth anticipated—an overall positive development for the market.

Currently, the outlook for 2026 is highly favourable, and prevailing indicators suggest this trend is likely to persist in the foreseeable future.

Can we assist?

If you require some help with your current or new mortgage, please do call one of our fully qualified advisers.

uk property holiday let expat buy-to-let

Buy-to-Let or Holiday Let ?

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Buy-to-Let or Holiday Let ? Should expats go for buy-to-let or holiday let?

In 2024, the average holiday let earned £28,600 a year—over twice the £14,000 of typical residential rentals. Holiday let’s bring in about £1,150 per week, nearly six times more than the UK average rent.

The UK now has over 170,000 holiday lets, and average booking income rose 11% in early 2025.

Holiday hotspots

During the first four months of 2025, holiday let rental growth was highest in the following regions of the UK: South of England (+17.3%) Cornwall (+14.5%) Devon (+8.9%). Increases in rental income are associated with both international and domestic visitors seeking short-term accommodation in popular UK holiday destinations.

There were a record number of visits to the UK in 2024 over (35m) and overseas visitors contributed more £22bn to the UK economy.

The number of overseas visitors increased 7% in the first three months of 2025 (compared to the same period in 2024) and the amount they spent increased 11%.

The weak pound is encouraging more Britons to vacation at home and attracting international tourists, benefiting UK holiday property owners. After recent challenges for landlords, it remains to be seen if more will turn to holiday lettings.

UK heritage

Holiday lets help preserve the UK’s heritage and natural beauty by attracting tourists. Owning such properties offers financial, personal, and community benefits, making it a worthwhile investment.

Can we assist?

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

remortgages for expats uk property expat mortgage

Best Mortgage Deal For Expat brits ?

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Best Mortgage Deal For Expat Brits? Expats are you paying out more than you need to?

Expats with mortgage agreements set to expire, or who are currently on their lender’s default rate, may reduce costs by over £4,500. This through switching to a fixed-rate product.

According to a recent report encouraging remortgaging, the research indicates that moving from the lender’s Standard Variable Rate (SVR) could result in savings of more than £4,500. This within a year.

If borrowers do not re-mortgage when their initial term ends, they move to the standard variable rate (SVR). Which is typically higher. If the Bank of England raises interest rates as some predict, lenders may also increase their SVR. Therefore, expat borrowers whose deals are ending or who have moved to the SVR may consider switching to a new fixed-rate deal.

It is important to note that there is currently a wide range of higher loan deals available, which may make remortgaging a more appealing option.

Time to review your mortgage deal?

Mortgage rates are not expected to decrease in the near future. So some borrowers may consider securing a fixed-rate mortgage deal at this time. Those who are currently on an SVR or approaching the end of their term could reduce their mortgage costs, potentially freeing up funds for other uses, such as home improvements or travel.

Use an independent broker to review your mortgage

The only guaranteed interest rate is the current one available. If you are considering refinancing your mortgage, consulting a mortgage broker may provide access to different deals. It is important to consider any additional charges, early redemption penalties, locked-in interest rates, and future projections.

Brokers offer access to various mortgage options. They can use their knowledge to identify deals that may not be readily apparent.

Can we help?

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

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Can A Brit Expat Get A Mortgage ?

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Can A Brit Expat Get A 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 residing overseas, either temporarily or permanently, need to secure a mortgage from lenders who offer services to expatriates.

Expats often seek buy-to-let property investments while abroad, which may serve as a source of income during retirement or as accommodation upon returning to the UK.

Expats are using independent broker advice a lot more these days.

More expats now rely on independent brokers to secure new mortgages or remortgages.

Surveys show that brokers, experienced in the expat mortgage process, reduce completion times and respond quickly to lenders’ needs.

Why independent?

As an independent, you have access to a wider range of deals since you’re not tied to one company.

In 2024, approved mortgage applications have increased significantly over last year, reflecting eased lender restrictions and strong competition.

These trends are boosting borrower confidence for the future.

Using an Independent broker registered with the FSA in the UK you’ll enjoy a number of advantages compare to “going it alone”.

These include:

Choice of deals currently available

Choice of lenders

Expert advice

Fully qualified adviser

FSA regulated.

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 mortgage approvals holiday let mortgages

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.