expat holiday let mortgages

Expat Holiday Let Mortgages

Expat holiday Let Mortgages on the up in 2023.

There’s been a big increase in choice available to expat landlords wanting to enter the holiday let sector.

Indeed, the number of mortgage options for borrowers looking at holiday lets have more than doubled since August 2022.

More lenders have entered the market – there are now 25 different brands versus 14 in August 2022.

It’s positive to see a rise in expat holiday let product choice for landlords over the past few months, but the market is still relatively niche. 

As the demand for staycations remains evident, it would not be too surprising to see more growth in this market in the months to come. In August 2022 only 6 lenders were offering a buy to let mortgage available to holiday let, whereas today there are many more options to the expat investor.

At this point in time, its evident expat landlords are taking advantage of the opportunity to earn an income through holiday lets.

Research is vital before deciding.  

Undertaking thorough research into popular locations, weighing up tax benefits, reading up on rules regarding residency periods and other potential expenses outside of utility bills can feel daunting, so seeking advice before entering an arrangement is wise.

The number of holiday let companies set up, chiefly by expat landlords, between January and June this year has increased of 60% versus the whole of 2022 and 119% more than in 2019 according to experts.

Help required?

Please do get in touch and one of our expert independent advisers will be happy to assist.

yacht crew expat mortgages

Good Investment Returns

Good Investment Returns. Expat UK buy-to-let’s still offer solid returns.

 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.

 A special report on the buy-to-let market looks at the macro and micro economic environment for buy-to-let investors and the factors that are likely to influence landlords investment choices over the coming years. It also highlights the need for a flexible and competitive buy-to-let mortgage market.

This is to facilitate continuing investment in a sector of the housing market that has grown in significance as home ownership has declined and demand for good quality rental residential property has increased.

The expat private rented sector has grown substantially in recent years. One in five (4.7 million) households in England now rent privately.

Nearly half of 25- to 34-year-olds live in the private rented sector (46%), almost double the percentage in 2006 (24%). There has also been a considerable increase in the proportion of 35-44-year-olds in the private rented sector over the past decade, rising from 11% to 29%.

Expat buy-to-let mortgages play a vital role in supporting housing supply in the private rented sector, with the market representing nearly 13% of new UK mortgage lending.

 Can we help?

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


yacht crew expat mortgages

Expat Buy to Let

Expat buy-to-let market strengthens.

Times are hard for first time buyers at present which has strengthened the buy-to-let market even more.

Young couples and first-time buyers looking to join the property ladder could be in for a very long wait. Figures just released this week are showing that a combined salary of £48500 is required on average to enter the property market.

So, what is required these days to buy a new property is almost twice the UK average wage of £25000 per annum and as most people will know that is very difficult.

As a result of all this many couples are turning to the rental market for housing, and this is providing a boost in demand for landlords and buy-to-let investors.

This in turn is creating a shortage of suitable properties coming onto the market especially in the London and Southeast.

As an expat thinking of entering the Buy-to-Let market.

 More and more expat investors are considering entering this market for various reasons. What can a buy-to-let investment offer you?

Interest only mortgages

Good potential returns on capital invested.

Tax efficiency

Attractive mortgage interest rates

Potentially better returns than on offer at high street banks

Above are just some of the reasons why expats are considering a buy-to-let investment. If you are thinking of entering this market, you should always seek professional independent advice on the types of mortgages available.

You will generally need a deposit of at least 25% this varies from lender to lender but the bigger the deposit the better the deal.

Mortgage assistance?

 If you are contemplating entering this market or require assistance with a re-mortgage, please do contact us. We have experienced independent advisers who will find the correct deal for you.

yacht crew expat mortgages

Expat Property Investment

Expat Property Investment buy-to-let investors on the increase in 2023.

This is still a growth area for investors as more expats see the buy-to-let market as a sound option for the future especially with property prices reducing nationwide.

Traditional forms of investment such as banks and building societies are still producing poor returns so investors are looking elsewhere.

The demand for good rental property has increased over the last 12 months due to the cost-of-living crisis and other factors.

Experts expected the buy-to-let market to decrease, and it did after all the new regulations were announced but that trend has now been completely reversed.

Expats would be wise to research the area of purchase thoroughly, make sure the long-term future has prospects in the areas listed below.

Ways to be a successful Expat investor.

  1. Select the type of tenant you are targeting this could be a young couple or single person in a professional career.


  1. Make sure when selecting a property for buy-to-let it is in an area which fits your target tenant. Is it close to schools, shops, and local businesses for example all these are important factors when selecting your property?


  1. Selecting the correct buy-to-let mortgage to fit your long-term planning. Do you want a fixed rate or a tracker or indeed any other product that is on offer? It is very important to seek professional advice when it comes to choosing your mortgage.

Need some help?

Please make contact and one of our expert independent mortgage advisers will be pleased to assist.

expat landlord mortgages

Expat Landlords

Expat landlords will be confident.

It has been an extremely hard year for landlords up and down the UK and those living abroad.

The good news is that, despite all the recent changes rewards for landlords can still be exceptionally good.

Demand for good quality rental property continues to rise year on year due to prospective first-time buyers not being able to get onto the so called “property ladder”.

Rents are at an all-time high and will rise later this year if the experts are correct.

Expat landlords remain confident that the future is good, and they have every right to do so as property in the UK continues to increase in value consistently.

Last year alone the property owners in the UK saw their investment rise between 3-6% and you simply cannot earn this if your money is invested in a high street bank.

Expats re-mortgaging to secure the future.

Expat re-mortgaging levels have soared to an eight-year high in July as borrowers take advantage of lower monthly repayments the latest figures have revealed.

The value of re-mortgaging fell due to a drop in the average loan size, but with overall mortgage activity down it still accounted for two-fifths of total lending in July this year.

Expats who have not reviewed their current mortgage deal recently would be well advised to do so as rates are expected to rise in the future.

Help required?

If you would like to review your current mortgage, please do make contact and one of our fully experienced independent advisers will be happy to assist.


yacht crew expat mortgages

Expat Landlord Remortgage

Expat landlord, be sure to check your mortgage deal before it’s too late!

The latest data and analysis highlighted failing to switch mortgage and lapsing onto their lender’s Standard Variable Rate (SVR) has seen the average landlord hit with £2600 a year in extra interest.

According to the study, which looked at 16 major UK lenders, analysed the jump in interest charges from each provider’s best two-year fixed rate deal to their associated SVR, which a borrower is typically transferred to once their introductory period comes to an end.

As of October this year, the average landlord slipping onto their lenders’ SVR after the initial two-year fix faced an extra £2,664 a year in interest payments, equating to £212 a month.

Across the UK there are far too many expat borrowers currently on an SVR, who could collectively save £5.3 billion a year by switching!

One reason why an expat borrower may lapse onto an SVR is simply that they weren’t aware that it was time to switch until it was too late.

A mortgage for a expat landlord is likely to be the most expensive monthly commitment and therefore vitally important to be cost effective.

If you are confused with the mortgage plan you have do get independent advice as soon as possible, failure to do so could be costing you thousands.

Help required?

If you would like to discuss your current mortgage or require a new or re-mortgage, please do make contact and one of our qualified independent advisers will be happy to assist.


yacht crew expat mortgages

UK Property Growth


UK Property Growth. Experts believe UK property values will rise between 3% & 6% across the UK next year according to figures released by one of the major high street mortgage lenders.

If these figures are achieved it will reverse the current decline of this year, the report also states increases in values could be stifled by the possibility of further cost of living increases.

As an expat with property in the UK if you compare this annual growth to what could be achieve from an investment in any high street bank, property looks a very good bet indeed.

Interestingly the report states they expect growth to slow slightly more in the London area than elsewhere. It is likely properties in the North of the country will see the largest growth due to their current affordability.

Property is still in short supply.

 There has been and still is a shortage of supply which constrains activity in the housing market and levels of house building remain lower than years gone by.

It is believed due to the shortage of property available that house prices will remain stable for the foreseeable future which spells good news for expats with property in the UK.

 Need some help?

If you require any assistance with your new or existing mortgage, please do contact us or call one of our fully qualified independent advisers who will be happy to help.





yacht crew expat mortgages

Expat Property Portfolio

Expat Property Portfolio. Buy to let market is growing fast again as expats increase holdings.

June 2023 saw the buy to let market rise again, expat applications and completions were up on figures for the same period last year. Investors are without doubt looking to secure new properties.

Figures show existing expat investors are expanding their portfolios especially in the North and Southeast areas. Increased property values don’t seem to be deterring the investor as they see the future sell on value as the key to profitability.

There was also marked increase of new expat investors into the buy to let market.

Top tips on buy to let properties.

  • Choose an area you know for your buy to let investment.
  • Make sure the area has potential for growth in the future.
  • Do the figure work and be sure of the level of rental income you can expect.
  • Think about the type of tenant you are looking for and match the property to fit.
  • Check with an accountant your own tax position before you proceed.
  • Consider protecting your rental income and explore the options.
  • Research mortgage options.

These are just some of the important areas for new expat investors to consider, but most important is to get the right mortgage for your needs.

Too often these day’s clients tend to go for the cheapest without doing crucial research into the features of each plan.

Using an independent broker could be a very shrewd move as they will access to the open market. They will also have the experience to advise you on the correct mortgage to meet your needs.

Can we help?

If you require assistance with your mortgage, please CONTACT US or call one of our experienced independent advisers and we will be pleased to assist.

yacht crew expat mortgages

Independent Ex Pat Mortgage Broker

Independent Ex Pat Mortgage Broker. Expats are using an independent broker more and more.

Expats are now using an independent broker more than ever before to secure their deals whether it be a new or re-mortgage.

A survey showed using a broker will reduce completion times, they are fully versed in the expat mortgage process and able to react to the lender’s requirements much quicker.

Why independent?

Very simple you will have a much bigger choice of deals as an independent is not tied to any one company.

2023 has seen a large increase of approved mortgage applications compared to the same period last year. These increases show how restrictions are being eased by lenders as they compete for every single bit of business.

Lenders are still holding interest rates steady as the prospect of the Bank of England raising rates has receded slightly.

All this positive news is giving the borrower confidence in the longer term.

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

 The time it takes to complete a new or re-mortgage for expat’s has reduced significantly in the last 2 years.

The industry is seeing a new application in a straightforward case complete in a matter of weeks rather than months, using a specialist independent ex pat mortgage broker.

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.


yacht crew expat mortgages

Expats Buying Property

Expats buying property are still looking at buy-to-lets for income and long-term growth.

There has been a marked increase in the number of enquiries from expats into buying-to-lets in the UK a recent report has highlighted.

This activity has increased since the UK left the EEC on 31st January 2020.

The report from financial intermediaries revealed that 70% of respondents had seen a rise in enquiries from British expats about buy-to-let mortgages for UK property.

These findings reflect the growing demand for buy-to-let mortgages from overseas investors; due partly to the strength of foreign currency against the pound – attributed to the ‘Brexit effect’ – which has created an investment opportunity.

Following Brexit, the pound has weakened against most major currencies including the dollar and euro. Brits living in countries where the currency is pegged to the USA’s, such as Hong Kong have been attracted to investing in property back in their home country.

What is happening is investors, including expats, are still buying-to-let in Britain, but perhaps focusing on lower loan-to-values and using larger deposits to take the various changes into account, as well as adapting their portfolios and business models to maintain their profitability: for example, by looking at up-and-coming areas across the UK instead of the more traditional rental hotspots like London.

Given the strong rental market in the UK, it appears that expats are still keen to keep a foothold on their home property ladder, and whilst the buy-to-let market has faced a number of challenges recently, those taking a long-term view seem undeterred.

Like to talk over your needs?

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.