Expats lending expanding rapidly.

September and October this year saw gross mortgage lending to expats increase by 6.8% from earlier months. In addition to the month-on-month increases lending this year has increased 18.2% overall.

Experts believe these strong figures are down to the instability in the world currently. There is definitely less confidence in the property values of other European countries. Property continues to gain value in the UK at a steady rate and looks like continuing for the foreseeable future unlike the rest of Europe.

Another contributing factor to this sustained growth is the volume of completed re-mortgages. Both expatriates and UK residents are concerned about potential increases in interest rates. These concerns are warranted, as numerous long-term fixed-rate products have already been withdrawn from the market; however, some highly competitive options remain available.

UK property offers really good long-term stability and growth.

The UK property market continues to offer good value, especially for those who already own a home or are able to buy one. Over the past decade, anyone with property in desirable areas has likely seen significant growth in their investment.

House prices are expected to stabilise, with steady and dependable growth predicted in the next few years, which is positive news.

In summary, the UK property market has historically been a strong choice for long-term investment, and there’s every reason to expect this trend to continue.

Selecting a mortgage to suit your needs

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.

Mortgage advice?

If you need assistance with a new or re-mortgage, then please contact our expert independent advisers who are waiting to help.

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.

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.

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.

Buy-to-Let for Brit Expats . 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 for brit expats 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.