UK Holiday Let Mortgage. As an expat have you ever considered a holiday let property in the UK?

Owning a holiday let in the UK as an expat offers financial, personal, and community benefits. The UK’s popularity with tourists means well-placed properties can earn substantial rental income, especially during peak seasons like summer and holidays.

Tax advantages

Another key benefit is the tax incentives available to holiday let owners. Properties that meet the criteria for a furnished holiday let (FHL) can benefit from tax reliefs not available to long-term rental properties. This includes allowances for mortgage interest, capital gains tax relief, and the ability to claim capital allowances on furniture and fixtures.

Expats are seeking more expert help to secure mortgages on UK properties

Expats can get a standard residential home loan, but lenders usually require proof that close family live in the home. Because most expats work overseas, a buy-to-let mortgage is often more suitable.

Approximately 5.2 million British citizens reside abroad, with many eager to maintain a property in the UK or invest in one for rental purposes. However, mortgage choices are fairly limited, and generally you’ll require a specialist landlord mortgage.

You will typically need to seek out a specialist lender, and this is where the expat broker can assist you in making the correct choice.

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.

Buying Property in the UK Whilst Living Abroad.

Expat buy-to-let investments will continue to offer attractive rates of return compared to other asset classes, expat investors have increasingly searched out cheaper and higher yielding properties, research has found.

Living abroad and buying a flat, apartment or house in the UK doesn’t have to be a tedious task, the best way to proceed is to engage an independent expat mortgage adviser as they will have access to all deals available.

They also will be local and able to deal with question as they arise.

New higher loan to value expat deals have impacted the market significantly

Recently, the expat mortgage market has experienced significant growth, thanks to new high loan-to-value options becoming available.

With interest rates remaining steady, business activity has increased further. Expat inquiries are reaching record levels, led primarily by a strong re-mortgage market.

Expat mortgages are now easier and quicker to complete than ever before.

In the past two years, the time required to complete a new mortgage or re-mortgage for expats has decreased considerably.

More expats than ever are turning to independent brokers to help them secure both new mortgages and re-mortgages.

A survey found that brokers speed up completion times because they understand the expat mortgage process and respond quickly to lenders.

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.

 

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.

 

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.

 

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.