Testimonials

See what our past customers have to say about us below, or click the button to submit your own testimonial.

I Would Happily Recommend Tracey

Tracey Barnes was my broker and from the very beginning she was a pleasure to deal with. I found Tracey to be very thorough and felt confident throughout the process that I was in good hands. I obtained an ex-pat mortgage through Tracey for which I am really appreciative, and would happily recommend her!

Date posted:5th December 2018
Name:Derek Kaplan
Expat based in:United States

It’s Not Easy Being Michael……

It’s probably easy to be a great agent when a house purchase is straightforward. The real test comes when problems occur. While securing a mortgage offer was extremely quick and straightforward, my actual house purchase turned out to be very complex, and long-winded. Michael was there every step of the way, and offered support long after he really needed to. I can honestly say that I don’t think that the sale would have happened if not for his support. He was the voice of reason and reassurance at the very times we needed it most. I could not recommend him any higher than I do, and I wouldn’t hesitate to use him again in the future. This isn’t just about getting a super quick mortgage offer – actually cares about his clients.

Date posted:19th November 2018
Name:Patrick M
Expat based in:United States

I Highly Recommend Tracey

I cannot recommend Tracey highly enough; she was calm, professional, patient and incredibly helpful throughout the process. I got the finance I wanted at a good rate, and was able to refinance and purchase as I had hoped. Thank you!

Date posted:16th November 2018
Name:Laura Shadbolt
Expat based in:Switzerland

Tracey was invaluable in helping

Tracey was invaluable in helping me get through the minefield of an expat mortgage. For many people working and living overseas, our circumstances can make dealing with situations in the UK much more difficult than we’d initially expected. With Tracey’s professional approach, guidance and patience, we secured the mortgage I wanted, within the time frame we had allocated. A big thank you.

 

Date posted:14th November 2018
Name:Peter Styles
Expat based in:United States

Niel is extremely professional

Niel is extremely professional. He probably worked so hard for me to get the loan, because of my Nationality I didn’t even know its possible. Highly recommend Expat Mortgages.

Date posted:12th November 2018
Name:Angie Dela Rosa
Expat based in:Hong Kong

Just a few words to say thanks to Niel

Just a few words to say thanks to Niel for arranging my ex-pat mortgage. Throughout the process Niel was always helpful and responding very quickly to any queries I had. As I discovered the process is of necessity quite long (not Niel’s fault) involving a lot of documented information but in every instance Niel was always available to help and I am very pleased with the mortgage Niel arranged for me. I would not hesitate to recommend him to other ex-pats in a similar position. Thanks again Niel.

Date posted:31st October 2018
Name:Anthony Desmond Johnson
Expat based in:Cyprus

Tracey was incredibly professional, timely and a pleasure to deal with

I have a few properties and was looking to remortgage in the UK. It is a complex field to navigate, however having been introduced to Tracey from Expat mortgages, I found that it was possible to do this from Australia.

Tracey was incredibly professional, timely and a pleasure to deal with. My advice to anyone considering doing this process is to have patience. Tracey did, however, make the process as painless as possible.

Thank you again,

Alex

Date posted:22nd October 2018
Name:Alexander Rea
Expat based in:Australia

Michael was very professional and extremely helpful

Michael was very professional and extremely helpful. Excellent service from start to completion.
Everything was explained fully. Michael was a pleasure to work with.
Would highly recommend and have no hesitation in using Michael again.
Great Service.

Date posted:17th October 2018
Name:Helen Blades
Expat based in:UAE

It was a relief to work with Tracey

I had previously worked with the expat departments of two large banks, and found that their sales people didn’t understand their own products very well at all, given the many nuances and details involved in these types of complicated mortgages.
It was a relief to work with Tracey, who had a great understanding of the products on the market and was able to help throughout the process to get the deal done.
Thanks!

Date posted:15th October 2018
Name:Daniel Pugh
Expat based in:United States

Niel was excellent throughout the whole process

Niel was excellent throughout the whole process and helped me to secure a Mortgage at a rate which I never thought was possible. I will definitely recommend him to anyone looking for an expat mortgage in the future.

Date posted:9th October 2018
Name:Murray Davidson
Expat based in:UAE

Great service, superb communication and very helpful

Neil and the team achieved the seemingly impossible in getting us the mortgage we needed.

Great service, superb communication and very helpful with multiple options.

Thank you for your part in helping us realise our dreams!

Date posted:1st October 2018
Name:Richard Williams
Expat based in:Australia

Tracey at expat mortgages has been an angel with her patience

Tracey at expat mortgages has been an angel with her patience, kindness and hard work. Throughout this often complicated and stressful process, she has been amazing always offering the best advice, getting us through every challenge along the way. I would recommend her services to anyone considering the process of applying for a mortgage while living abroad, can’t thank her enough for the service provided.

Date posted:20th September 2018
Name:Sean F D
Expat based in:Sweden

Working with Michael has been just brilliant

Working with Michael has been just brilliant. Right from the very first interview, Michael makes it very personal to find you the best bank/mortgage company based on specific needs. He is extremely responsive, and his follow through is next to none. At times, it can be difficult to get through to the call center when calling from abroad to get updates and such. We just let Michael know for his awareness of some of the challenges we were running into and next thing we found was that he actually followed up on your behalf and helped address concerns or answers, and even after that, remain in contact until the concern was completely resolved. That to me was the ultimate in customer service. No one beats that. Thank you once again Michael for all your help.

Date posted:14th September 2018
Name:Amit Dave
Expat based in:UAE

Michael, Great explained everything

Michael, Great explained everything, took the stress out of the process, called me when he said he would.

Date posted:4th September 2018
Name:Sharon Ashton Ridley
Expat based in:Western Australia

Michael of Meridian has provided an extremely professional service

Michael of Meridian has provided an extremely professional service, guiding us from the beginning of what appeared to be an almost unattainable situation. He sourced a number of options and explained the implications at every stage of the selection process. His advice and assistance have been extremely useful and accurate in securing the right mortgage. He was unwavering during our time with him by replying to emails very promptly and always made himself available, even at the weekends. I can only highly recommend him should you be looking to secure a UK mortgage from overseas.

Date posted:28th August 2018
Name:Lesley Lam
Expat based in:Hong Kong

Very professional and extremely helpful

Very professional and extremely helpful.

Everything was made easy and Michael always replied to my emails promptly and followed through all issues.

The whole process was fantastic and I highly recommend this form to everyone. You will not regret it at all.

Date posted:18th August 2018
Name:Simi Manrakhan
Expat based in:Mauritius

Michael was very helpful

Michael (Michael Johnson of Meridian) was very helpful. I was impressed by how smoothly he was able to guide me through the fairly complex and unfamiliar process from choosing the most appropriate mortgage provider and product, the application process, obtaining and providing all the documentation required and finalizing the details. Job well done – all remotely by email.

Date posted:13th August 2018
Name:Alistair McKinnon
Expat based in:USA

Tracey went above and beyond

Tracey went above and beyond to make sure all the paperwork was completed and submitted in time to complete. I had challenges my end and Tracey was incredibly helpful and patient in making sure all of my challenged were overcome. Absolute value for money and I would most definitely recommend this service

Date posted:9th August 2018
Name:Dianne
Expat based in:Perth

The service I received from Michael was first class

The service I received from Michael was first class, prompt, efficient with good follow up following initial offer of the mortgage through to completion. I would highly recommend these services. Thanks. Simon

Date posted:8th August 2018
Name:Simon Langan
Expat based in:Austria

We consider Michael a friend

I first contacted Michael Johnson in Jan 2017. I am an expatriate living and working in New York State. My husband is American. With no surplus income I began to find out whether it was possible to buy out a relative so as to own rather than to sell a beloved family cottage. In short Michael Johnson has helped me achieve this dream. It has been a long process! He has stuck with it and from my initial contact with him to the completion just this month- 18 months later.
We consider Michael a friend rather than a business associate as he has spoken to us so many times through this difficult “buy out” process. Michael has sought out options for us and explained the pros and cons of each possibility. He always responded to the copious phone calls and emails promptly. He is patient, friendly and efficient!. We successfully obtained a bridging loan through Michael and will soon seek his advice and expertise on transferring this to a buy to rent Mortgage.

Date posted:23rd July 2018
Name:Susan Joyce Carpenter
Expat based in:New York

Michael Johnson made it super smooth and simple

Arranging an expat mortgage can be quite complicated nowadays but Michael Johnson made it super smooth and simple. He was always punctual, crystal clear in explaining everything and went above and beyond to follow-up with the bank to ensure the process completed very quickly. It is very clear that he has a superb working relationship with the banks as well which goes a long way with this process. I would highly recommend him to anyone and will definitely go straight back to him for any future needs.
Thanks Michael!

Date posted:20th July 2018
Name:Anup Dutt
Expat based in:Mexico

Very appreciative of the work done

I have recently completed a mortgage with Expat Mortgages and am very appreciative of the work done on our behalf by Tracey Barnes. Having helped us secure the mortgage Tracey could have easily left us to go through with the legal side of the sale alone however this was definitely not the case and she helped us right through to the end when we had to obtain some insurance with some very specific covenants which at one stage looked like jeopardizing the sale. As well of the knowledge of the products her response to my many and varied email enquiries was always very quick and this speed of response was very much appreciated

Date posted:16th July 2018
Name:Rory Fidler
Expat based in:Abu Dhabi

Tracey Barnes has gone above and beyond

Tracey Barnes has gone above and beyond what I would have expected from any mortgage consultant. I think it safe to say that without her perseverance, industry knowledge and desire to succeed I would have been unsuccessful. I have no hesitation in recommending Tracey to any expat who needs a mortgage – particularly if, like me, you do not have much of a footprint in the UK. Thanks, Tracey for all your help and advice.

Date posted:7th July 2018
Name:Alan Rooke
Expat based in:Dubai U.A.E.

Michael as always, was fantastic!

Michael as always was fantastic! This is the second time I have used Michael and like last time he delivered an exemplary service.

No matter how busy he gets he always has time to answer any worries or queries and he always responds in a way that is easy to understand and thorough.

I have absolutely no problem in recommending Michael (and have done a few times) and I will certainly be using his services for my next purchase.

Once again Michael, thank you for absolutely everything that you do. I feel so fortunate to have come across your excellent services and I know for sure the whole process would be far more challenging without you.

Looking forward to working with you again!

Kindest regards

Date posted:6th July 2018
Name:Matthew Griffiths
Expat based in:Hong Kong

Michael Johnson was excellent

Michael Johnson was excellent.

He is personable and very knowledgeable about the whole mortgage lending process.

He assisted us every step of the way and helped us with any challenges we occurred.

I would confidently recommend Michael Johnson to organise your expat mortgage here in the U.K.

Date posted:4th July 2018
Name:Tammie Beasley
Expat based in:Barbados

Tracey is the ‘go to’ person

Tracey is the ‘go to’ person for expats who need a mortgage in the UK. She is knowledgeable, straightforward, responsive and makes you feel very comfortable throughout the whole process. Highly recommended.

Date posted:4th July 2018
Name:Hayley Carnochan
Expat based in:UAE

We could not thank Michael enough

We could not thank Michael enough for his commitment to finding us a mortgage that was right for us.

He was incredibly supportive every step of the way, proving great counsel and advice from start to finish.

We would 100% recommend Michael to anyone looking for an expat mortgage. Not only is he incredibly knowledgeable but he is also a really kind and genuine person and we couldn’t thank him enough for making this a reality.

Date posted:27th June 2018
Name:Rebecca
Expat based in:Singapore

Cannot recommend Michael enough

When the Halifax or any other mainstream UK based bank would not give me a new mortgage because I was an expat Michael came to my aid. There is a massive gap in this market and fortunately Michael knows how to help expats. If you are looking for a new mortgage but you are trapped with no deal, look no further Michael will help. I have just completed my remortgage and now I am able to buy a second home in Cyprus. Thank you so much Michael. Cannot recommend Michael enough.

Date posted:21st June 2018
Name:Mark Kerslake
Expat based in:Cyprus

Thank you, Michael!

I wanted to purchase a property back in the UK whilst still living and working in the IOM. I knew expat mortgages were available, but I did not meet the criteria of most of the large banks; fortunately, I discovered Michael Johnson through an internet search and he quickly found a good, ethical lender to provide the finance I required. I would never have been able to do this on my own. Thank you, Michael!

Date posted:18th June 2018
Name:Sarah Flack
Expat based in:IOM

Thank you so much Tracey

Thank you so much Tracey.
I cannot recommend her enough, she has been so helpful and on the ball from the first day to our completion day. Thank you again Tracey

Date posted:11th June 2018
Name:Aysha Starkey
Expat based in:Essex

How happy I am with Tracey Barnes

I would just like to take this opportunity to tell you how happy I am with Tracey Barnes and her assistance in obtaining a remortgage for me.

It was simply a 1st Class service from start to finish.

Kind Regards

Date posted:5th June 2018
Name:Stephen Ascott
Expat based in:Singapore

Excellent service we received from Tracey Barnes

I would just like to acknowledge the excellent service we received from Tracey Barnes at Meridian Mortgage specialists.

Tracey helped gain our mortgage through rather complex circumstances where other providers could not. My income is still based in South Africa and my wife was working in the UK on a work visa. Despite all these challenges Tracey still managed to help with the process and communicated throughout. We are now happy home owners in the UK. I cannot recommend here enough.

Date posted:5th June 2018
Name:Rob & Sarah Fox
Expat based in:South Africa

I would like to thank Mr Michael Johnson

I would like to thank Mr Michael Johnson,
God bless you my friend, Michael made what looked to be impossible very much possible, I’m an expat working in the UAE and after weeks of numerous rejections from well known UK banks, I found Michael who led me in the right direction instantly, because of this fantastic man I’ve managed to get my home Mortgage/Re-Mortgage,
Michael guided me through the process in a smooth professional manner, assisting with documents some I was not familiar with, and explained in detail, Michael consistently responded over phone or email in a prompt and concise manner,

Michael’s a professional, who will get the job done I wouldn’t have done this without him,
thank you its been such a pleasure to meet you,

Date posted:29th May 2018
Name:simone maddox
Expat based in:Dubai UAE

Niel was very professional

Niel was very professional in all of our interactions. He clearly explained the process, responded promptly, and provided timely updates. Would recommend!

Date posted:23rd May 2018
Name:Ben M-G
Expat based in:US

We wouldn’t hesitate to recommend Michael

After trying to “go it alone” with a well-known UK/International bank, with whom we had been customers for many years, it became apparent (after wasting two weeks of our time) that the level of restrictions that they had now placed upon expat buy-to-let mortgages for those who own multiple properties was going to severely limit what we had planned to borrow for our latest purchase.

We were on the verge of giving up when we found Michael Johnson through an internet search.

From day 1 he was onto our case. He took all the hassle and stress out of the mortgage application process and came up with an offer that was what we needed. He was always there to assist on the phone or by email – even helping out by communicating with the estate agent and our solicitors in the UK when things started to get difficult with our purchase.

Michael’s professionalism, service and attention to detail throughout the whole purchase from first contact with him until completion was excellent.

We wouldn’t hesitate to recommend Michael to any expat looking to obtain a mortgage.

Date posted:21st May 2018
Name:Stephen Blundell
Expat based in:Singapore

I strongly recommend Michael Johnson

I strongly recommend Michael Johnson for the second time. He helped us greatly during our crisis, when we were going through problems with the mortgage advisor.

Fortunately, we knew Michael Johnson and at that point we processed a new application with him and managed to issue the mortgage offer ASAP and secure our property. Without him, our purchase would not have been successful. Michael is very professional, reliable and provides the quality service. From my experience, I appreciate all his support throughout the entire purchase process. I recommend Michael who provides 5 star service.

Date posted:20th April 2018
Name:Enamul Haque
Expat based in:Qatar

Niel Khambay led me through

Niel Khambay led me through the process of securing a BtL mortgage from the initial steps back in August last year, through to the final offer at the end of March this year. He has a thorough knowledge of what will and won’t be accepted and is able to tell you whether or not you will be successful without taking money from you in the early stages. Only once he is satisfied that it is going ahead will you then be charged with a fee – which I thought was reasonable for the amount of work that he did for me.
Niel ensured that the process of obtaining a mortgage was smooth; he collated all necessary documents and liaised with the mortgage company on my behalf. He also phones you to get a better understanding of other financial commitments and that personal touch does feel like you are not just dealing with things through e-mail all the time.
My work colleagues here are amazed that working in Shanghai that I have been able to get a mortgage as the paperwork is often in Chinese, but this is through the help and support I received from Niel, in guiding me through the sometimes “awkward” processes.
Therefore, I have wholeheartedly recommended Niel to all of my colleagues who are interested in getting a BtL mortgage in the UK.

Date posted:18th April 2018
Name:Paula Alderson
Expat based in:Shanghai, China

Totally recommend using Michael

For anyone who is looking for a reliable Person-Company to help them with a Mortgage outside of the UK we totally recommend using Michael Johnson with Meridian.
Michael has been with us through the whole process so far. We have heard nothing but great recommendations about it from the people at the Bank & solicitors whom we are dealing with also.
Put your mind at rest & use Michael Johnson

Date posted:12th April 2018
Name:Jeff & Karen Phelps
Expat based in:Canada. Ontario

Michael was a great help

I found Meridian via a net search while trying to buy a house in the UK from the Falkland Islands; Michael was a great help, always quick to reply with email, he got me a great deal with my mortgage, helped me find a solicitor and was incredibly patient with my inexperience with regards to buying houses… turns out it’s nothing like buying a garden shed.
Helpful, efficient, professional and friendly, I couldn’t recommend them enough.

Date posted:10th April 2018
Name:Stephen John
Expat based in:Falkland Islands

Recommend Michael

I could not recommend Michael Johnson more. I came across him and meridian by a net search and he was everything we hoped for and more. Supportive, quick to respond and nothing was too much trouble. He facilitated 2 mortgages for us and sourced the best deal for us giving us all options and help along the way including recommendations of conveyors.
I would not use anyone else. Thanks Michael.

Date posted:4th April 2018
Name:G Byrne
Expat based in:Singpore

Michael Johnston has provided us

Michael Johnston has provided us with a professional, efficient and friendly service for a second time – finding and renewing a loan for our investment property. Great service and would highly recommend.

Date posted:3rd April 2018
Name:Charlotte
Expat based in:Australia

Niel Khambay provided a personal

Niel Khambay provided a personal and simple process for my circumstance where I have my primary residence in the UK and employed in the Netherlands. Niel ensured that everything was easy to understand and moved the process along as quickly as possible to support my UK house purchase. It was a great pleasure to work with Niel and would recommend him to anyone with a similar situation to mine.

Date posted:20th March 2018
Name:James Sutcliffe
Expat based in:Netherlands

To commend Michael Johnson

I’m writing for the second time to commend Michael Johnson for not only finding us a mortgage lender happy to deal with clients living in high-risk Kenya in the first place, but the unfailing support he provided throughout the entire purchase process through to completion a further 9 months down the line.

Despite having fulfilled his remit of finding us a mortgage, he nevertheless was quick to respond to any queries we had and always ready to help and step in with the mortgage provider throughout the entire time. We can’t thank or recommend Michael highly enough.

Stephanie Hay Smith

Date posted:9th February 2018
Name:Stephanie Hay Smith
Expat based in:Kenya

Michael was able to advise and find the right lender

We were wanting to invest/buy a property on a BTL mortgage. Most if not all high street banks in the UK do not even glance at anyone overseas. Michael was able to advise and find the right lender we needed. He will take a good look at you before going forward to a lender in order check and advise if there may be any issues before you make official applications. Always contactable throughout the process and able to speak direct to lenders to help solve problems or chase issues on your behalf should you need help. Many thanks Michael.

Date posted:7th February 2018
Name:Ian Hollis
Expat based in:Germany

Michael’s experience and contacts in the business

I was an expat mortgage customer based between Hong Kong and Ireland and required a small mortgage on a UK investment property. There ware some obstacles surrounding the application such as the (small) size of the mortgage and the high floor level of the unit being purchased but these were readily overcome because of Michael’s experience and contacts in the business. He gave me a lot of his time via phone calls and via emails, guiding the process every step of the way.
It was clear that his excellent relationship with the managers at the bank concerned helped to keep the process on the rails. He was a pleasure to work with and I would highly recommend him.

Date posted:29th January 2018
Name:Noel Gaffney
Expat based in:Hong Kong

I worked with Michael Johnson

I worked with Michael Johnson to find another mortgage deal to buy out my ex (where there was only a small balance) and purchase a buy-to-let with the equity.
Where many other brokers had said it not possible, Michael talked to his contacts at the bank to explain my situation and made it happen.
Throughout the whole process he was on hand to offer advice, reassure and assist with the following up/chasing of parties (which was invaluable).
He has an easy personable style and a high level of professionalism that make it easy for me to recommend him to others. I will certainly be using him in the future for another BTL.

Date posted:29th January 2018
Name:Carey Shotton
Expat based in:Australia

Michael expertly guided us through

Michael expertly guided us through our mortgage renewal process – We had to change to a buy to let mortgage at renewal time as we are based abroad now. He found several quotations, and we chose the one that was right for us. What was really refreshing was that at no time was the pressure to take a particular product. He wanted us to be happy with the decision we made.

I cannot recommend Michael highly enough. He was very professional and I hope to work with him again in the future!

Date posted:3rd January 2018
Name:Peter C
Expat based in:Singapore

Michael Johnson’s help

As an expat based in Dubai, Michael Johnson’s help in securing a mortgage for a UK property was invaluable. He handled the constant back and forth with the bank and managed to get the mortgage in place much quicker than I would have been able to achieve on my own.

I would thoroughly recommend his services.

Date posted:2nd January 2018
Name:P Walker
Expat based in:Dubai, UAE

Niel Khambay provided excellent customer

Niel Khambay provided excellent customer service from start to finish, taking care to understand my personal circumstances, and defining a tailored solution to meet my requirements. He consistently responded on a timely basis, was flexible to adjust to changes in my plans, and did whatever was required to make the process as simple and efficient as possible. I highly recommend Niel and the Expat Mortgage team.

Date posted:2nd January 2018
Name:Thomas Hilditch
Expat based in:Russian Federation

After numerous applications I was

After numerous applications I was nearly ready to give up purchasing a small property in the UK and settle for an investment buy in Dubai where I currently reside. I found that the banks I had contacted could only cater for the 250k plus Morgage’s which was not what I was looking for. However after stumbling upon the expat mortgages website and discussing my options with Tracey Barnes, I suddenly found myself with options I had not been presented before, resulting in my recent purchase and I am over the moon! Tracey was always reachable and gave well detailed, sound advice. I would recommend her services to anyone looking for an expat Mortgage in the near future!

Date posted:2nd January 2018
Name:Zoe O’Sullivan
Expat based in:Dubai

Niel managed to find us

As an expat who hadn’t owned property in the UK for over 10 years, a buy to let mortgage seemed like an impossible task. However, Niel managed to find us a good lender and expertly guided us through the process and the documentary requirements. We have returned a couple of more times since and Niel is always available with sound practical and professional advice.

Date posted:22nd December 2017
Name:Kevin Leach-Smith
Expat based in:Singapore

I would like to thank

I would like to thank Tracey Barnes for her expert knowledge and guidance on the re-mortgage of my property in the UK. As an expat and having not re-mortgaged since 2002, I hadn’t realised how much information was required and how the regulation in this market has changed dramatically since I left the UK. Tracey always kept me up to date on where the re-mortgage was at and responded to any questions in a prompt and concise manner. Thanks again Tracey.

Date posted:14th December 2017
Name:Andrew Bushell
Expat based in:Cork, Ireland

Michael has been a professional and comforting presence

Throughout the entire process, from obtaining a quote to finalising the mortgage, Michael has been a professional and comforting presence. Each step was approached calmly and logically. His communication was clear and thorough and every email and phone call was followed up.

In what has become a difficult climate financially, legally and politically in recent times I would not hesitate to recommend Michael to any expat wishing to buy in the UK.

Date posted:13th December 2017
Name:Rafe Shabaily
Expat based in:Marrakech, Morocco

Michael’s efficiency and ‘can do’ attitude

I came across Michael and Meridian Mortgages completely by chance in 2016 while looking to buy a property in the UK. I was very impressed with Michael’s efficiency and ‘can do’ attitude right from the start. It is exactly what is needed when trying to navigate the sometimes opaque expat mortgage market.

We worked together through not one, but three failed purchases before I finally found ‘the one’. I am pleased to say the best deal by far was available on the fourth, successful attempt. Regardless, Michael was consistently cheerful and professional despite the twists and turns along the way, and I genuinely felt that he was as happy as I was when I managed to get the last one over the line to completion!

As a happy customer, I would not hesitate to recommend his services to anyone looking to secure mortgage financing in the UK whilst based overseas.

Date posted:12th December 2017
Name:Mrs A S Hope
Expat based in:Singapore

Michael was calm, friendly and efficient

An absolute necessity when thinking about an expat mortgage.
Michael was calm, friendly and efficient during what could have been a potentially stressful ordeal. He found workable solutions to navigate complex restrictions on expats when others couldn’t. In fact I have used him for 2 agreements in principle and would not hesitate to do so again or recommend him to others.

Date posted:5th December 2017
Name:Katie Briggs
Expat based in:Dubai

I was recommended to Michael

I was recommended to Michael by an old work colleague, who despite not knowing Michael had heard good things about him and his services.
Last year I had the good fortune to come into a sizeable pension pot and having lived outside of the UK for 29 years I decided it was time to buy a base in the UK for my eventual likely return. I started by checking all the regular banks etc., to see about getting a smallish mortgage over 11 years to enable me to buy a slightly better property, but no one was interested unless I wanted to borrow the minimum of 100K which I did not.
This is where Michael came in – I got in touch with Michael and within less than 24-hours he had a quote for me and had the bank call me the following day to discuss.
During the purchase, there was only one small hiccup reproof of identity, which Michael actually managed to sort out for me very quickly and put my mind at rest.
Everything was handled very professionally and all over the phone and by email, from the first call right through to completion, which was earlier today! I am thrilled and would not hesitate to recommend Michael.

Date posted:5th December 2017
Name:Sarah Amlot
Expat based in:Barbados

This is largely due to Michael’s know how

My husband and I are long term ex pats and we have lived outside of the UK for a considerable period of time. We wanted to purchase a small base in the UK which could also be used by our two grown up children. Like many others finding a mortgage proved to be a somewhat daunting task. I had first contacted Michael a couple of years ago and he had always responded to my queries quickly and efficiently. When we finally decided to proceed he was able to walk us through the process with relative ease and to calm us when the unexpected occurred. The mortgage offer is now through and we are hoping to complete relatively quickly. This is largely due to Michael’s know how. We would have no hesitation in recommending him to others in similar situations.

Date posted:1st December 2017
Name:Sharon D Melloy
Expat based in:Hong Kong

Michael is quick to respond, polite and efficient

I first contacted Michael when I was looking to re-mortgage a property in the UK in 2016. I’d had a look online and found the process and offerings confusing.

I organised a meeting with expat mortgages for when I was back in the UK over Christmas time. Before we met, Michael had already given me confidence in his ability to understand my requirements, find the most suitable mortgage offering for me and make things as easy as possible given I’m not residing in the UK.

Michael is quick to respond, polite and efficient. He also tells you how it is. I have recommended him to several people here in NZ and will continue to do so.

Thank you making the re-mortgage process as stress-free as possible. I will continue to use expat mortgages for any future UK investments.

Date posted:21st November 2017
Name:Rachel Bland
Expat based in:New Zealand

When no one seemed interested

When no one seemed interested in helping me get a mortgage I found through a friend Tracey Barnes of Meridian Mortgages, who with experience, tireless effort got me a mortgage and I am now the proud owner of my own home, thank you, Tracey. Rebecca H. Sussex

Date posted:30th October 2017
Name:Rebecca Hall

Challenge Met

Trying to purchase a property as an expat isn’t without its challenges, Michael Johnson provided me with sound advice and guided me towards a solution that was very well suited to my needs. I would certainly come back again for any other mortgage needs.

Date posted:12th September 2017
Name:Scott W
Expat based in:Hong Kong

Good Work

I received a fantastic service and have no hesitation in recommending expat-mortgages to all expats out there.
I spent days trying to obtain a mortgage with no luck as I am based in France, ex-pat mortgages provided excellent advice and found me a great deal in a matter of hours.
Well done guys, keep up the good work !

Date posted:7th September 2017
Name:Dave H
Expat based in:France

Happy to Recommend

Very happy to recommend Niel for the work he did on obtaining us a mortgage for our recent house purchase.

I had been turned down by a number of people (including my own bank) for a new mortgage due to fact that we lived in China. Niel swiftly reviewed the market and came up with an excellent option for us, managing the application and follow-up professionally.

We will come back again in the future if we have any further needs.

Date posted:6th September 2017
Name:Tim Watsham
Expat based in:Shangai China

It Was A Breeze

We relocated to the US and rented our UK house out. Our UK mortgage came to the end of it’s guarantee period but Virgin would not allow us to change product while it was under Consent to Let. This meant we had to re-mortgage while in the US which I had no idea how to approach. Michael was recommended to us by a friend and from the moment we made first contact with him the whole process was a breeze. He got us a great deal and the thing I was dreading turned out to be one of the easiest re-mortgages we have ever done. Would highly recommend both Michael & Meridian.

Date posted:5th September 2017
Name:Rob
Expat based in:United States

Helpful & Consultative

Michael was able to use his relationship with the lender to get me a better deal than was otherwise available, and provided a helpful and consultative service that I felt I could trust. He also chased things on my behalf, ensuring I wasn’t disadvantaged by the time difference in Australia. I would definitely recommend his services

Date posted:30th August 2017
Name:Paul Mahoney
Expat based in:Australia

Highly Recommended

We had recently returned to the UK after living overseas for 15 years. With Michael’s knowledge of expat finance options we were were able to find a bespoke mortgage solution even though all of my business dealings were still done outside the UK. We are now looking froward to moving into our new home. Thanks Michael.

I would highly recommend Meridian and Michael Johnson.

Date posted:27th July 2017
Name:Jonathan Duncan
Expat based in:UK

Truly Blessed

Living as an expat in Hong Kong and receiving a salary in Hong Kong dollars, it was not easy to find a bank that would take on a re-mortgage and a buy-to-let. After emailing Meridian (which I found on line through google search) Michael quickly contacted me and within days, identified a couple of banks who were willing to work with me. Thanks to Michael, the mortgage offers came through smoothly and I was on my way to becoming a landlady for the first time. After the first-class service from Michael at Meridian, it took eight challenging, arduous months to completion. There was always that document missing or an item not checked. Though Meridian and Michael should have been part of this transaction’s history, Michael continued to work with me for the entire eight months and I can honestly say that it is because of Michael and his responsible, honest and experienced work ethic that the mortgages completed. I feel truly blessed to know him and cannot recommend him highly enough. Thankyou Michael!

Date posted:26th July 2017
Name:Vanessa Lewis
Expat based in:Hong Kong

Very Helpful

I had tried a number of avenues unsuccessfully to get a suitable expat buy to let mortgage. Tracey was very helpful in navigating the process, identifying a lender and ensuring communication was regular through to completion. Would definitely use again.

Date posted:25th July 2017
Name:Daniel
Expat based in:Singapore

Very Happy With The Service

Very happy with the service Tracey provided, she was very responsive and kept me up to date with things every step of the way. The deal I got on a mortgage in terms of the interest rate and no set up fees wasn’t far away from what I could get by working in the U.K. Which for an expat mortgage is extremely good too. Would highly recommend Tracey for anyone in similar situations.

Date posted:19th July 2017
Name:Sam Kay
Expat based in:Australia

A Happy Client

Like many people, my wife and I took jobs working in Dubai, so we could save to buy a house back home in the UK. A couple of years in and we managed to save the deposit but started to wonder how we would begin the daunting task of obtaining a mortgage as an expat. A friend referred us here and it could not have been more easy, with Tracey guiding us every step of the way.
Our house completed today and we could not be happier. Thank you Tracey and the team for all your help.

Date posted:30th June 2017
Name:Brian Cunliffe
Expat based in:Dubai

Against All Odds

Living in Australia is seemed impossible to find a mortgage in the UK whilst working as a contractor. Against all the odds Michael sourced a suitable lender and saw it through to conclusion. Other mortgage brokers didn’t come close to the service offered by Meridian.

Date posted:26th June 2017
Name:Douglas Vanderson
Expat based in:Australia

Couldn’t Be happier

As with everybody, very apprehensive embarking on the process after clicking an internet link. No couldn’t be happier! Tracey was great with comms. Not always easy with time differences, phone connections, scanned documents, and busy people. Tracey secured me a great mortgage from a leading UK Lender. Total cost of borrowing is one of the lowest available. I honestly would not look elsewhere if I had to do this again.

Date posted:19th June 2017
Name:Alan
Expat based in:UAE

Very Knowledgable

Tracey is a fantastic mortgage broker – very knowledgable and able to make things work in complex circumstances. Very much a solutions person! Delighted with the service.

Date posted:13th June 2017
Name:Jonny
Expat based in:USA

Fantastic Service

Tracey provided a fantastic service helping us secure a mortgage for the purchase of a U.K. property……from initial product selection, guiding us through the application process to completion Tracey has always been knowledgeable, approachable, helpful and responsive.

Date posted:8th June 2017
Name:Brendan Clark
Expat based in:Germany

Very Happy

I was very happy with the service from Meridian. Michael was able to locate a suitable mortgage, and helped process the supporting documentation. Would recommend.

Date posted:5th June 2017
Name:Martin
Expat based in:Australia

To The Rescue

Living overseas finding a mortgage lender to buy back in the UK was proving impossible – particularly as we currently live in Kenya, deemed a high-risk country. However, with Michael’s help we managed to secure a mortgage in record-time. From the outset he was always available to answer an queries and guided us effortlessly through the entire process.

Date posted:26th May 2017
Name:Stephanie Egger Hay Smith
Expat based in:Kenya (Unicef)

Superb Job

Tracey Barnes did a superb job in helping me secure a loan in a short time.

Being a non-UK citizen living overseas presented a lot of problems that Tracey managed very well taking away from me the stress. She kept a line of communication constantly open and gave me real time updates. I couldn’t ask for a better service.

Date posted:23rd May 2017
Name:Antonio Vianello
Expat based in:Dubai

Brilliant

Tracey was brilliant in helping me to re-mortgage as an expat. I spoke to quite a few brokers, and she was the only one that really understood my requirements. She was very thorough, professional and responsive throughout the process. Would definitely recommend.

Date posted:17th May 2017
Name:Emily Garcia
Expat based in:Germany

To The Rescue

Being expats for the past five (5) years it has been difficult to source a mortgage for a new house in England. Expat Mortgages came to the rescue with Michaels assistance we were able to get a mortgage….Great service, thanks.

Date posted:9th May 2017
Name:Phil & Julie Thorpe-WIllett
Expat based in:Spain

Extremely Knowledgable

Michael was very helpful in assisting me with a difficult remortgage. Extremely knowledgable and professional he responded promptly to all enquiries throughout the process. Happy to recommend.

Date posted:8th May 2017
Name:Sarah
Expat based in:Perth Australia

Seamless Service

Over the last couple of years, Michael Johnson at Meridian Independent Mortgage has arranged three expat mortgages and one re-mortgage for us. Every time the process has been seamless as Michael has taken care of everything with the lenders and on many occasions with the seller’s agents to push through completion timelines.

Based on our previous excellent experience with dealing with Michael, we would highly recommend him to anyone looking at expat mortgages as we would continue to do the same for all our future requirements.

Date posted:8th May 2017
Name:Dharmendra Lakhani
Expat based in:Munich Germany

No Problem

I recommend Tracey because she helped to facilitate a suitable mortgage for me. Securing a mortgage from abroad could be stressful but Tracey cushioned the difficulties and was readily available until successful completion.

Date posted:29th April 2017
Name:S Ade
Expat based in:Offshore

Solution Orientated

This is the second time Tracey has helped me to secure a mortgage. Her professionalism, quick responses and solution orientated approach are a great asset when trying to secure a mortgage from overseas. I would not hesitate to use her services again. Thank you.

Date posted:29th April 2017
Name:Sonia
Expat based in:Switzerland

Easy & Practical

Michael made the whole process really easy to understand, and offered plenty of practical advice along the way. An absolute pleasure to deal with – highly recommended!

Date posted:26th April 2017
Name:Zeman Bhunnoo
Expat based in:Switzerland

Professional & Efficient

I have already recommended Niel Khambay (Meridian Independent Mortgages)to a number of my personal friends, based on the professional and efficient work he did for us. I only recommend people when I really trust them. Niel helped us out considerably – he found a suitable mortgage, asked only for the information that was actually needed for the application, and calmed the vendor down when he got a bit hysterical. I fully endorse him and his work.

Date posted:6th April 2017
Name:Michael Salmon
Expat based in:Commercialization Specialist Bahrain / Saudi Arabia

Star Quality

Michael Johnson is a true star! Michael was there for us from our first conversation until we completed our home purchase. As an expat working in Qatar, we had little options for getting a mortgage on a second home, however Michael provided us with a solution. Very professional and extremely knowledgeable, excellent service is guaranteed. Highly recommended!

Date posted:3rd April 2017
Name:Herbie B
Expat based in:Engineering Professional Doha, Qatar

Consumate Professional

Tracey has been brilliant in helping me arrange my mortgage yet again. I have used her a couple of times now and she is always the consummate professional. Being overseas it is not always easy to find a mortgage provider or navigate through all the requirements. Tracey takes away the stress & hassle of everything. I have no hesitation in recommending Tracey for anyone needing mortgage advice.

Date posted:31st March 2017
Name:Mark Reeve
Expat based in:Singapore

Fantastic Service

Fantastic service once again from Tracey at Meridian mortgages. This is the second expat mortgage in which she has helped me with, the continued support and responsiveness throughout the process takes a great deal of stress away. Couldn’t recommend her highly enough!

Date posted:26th March 2017
Name:Roshun
Expat based in:Dubai UAE

On The Ball

Tracey Barnes was extremely responsive and much more on the ball that other brokers we spoke to, she managed to get us a great deal where others couldn’t get us a deal at all (due to having work contracts with non UK companies). We would highly recommend Tracey.

Date posted:22nd March 2017
Name:C Newman
Expat based in:Offshore

In Good Hands

The whole process has been much more complex and difficult than expected.
However I must say that Tracey was always there when needed, always helpful and ready to act in my best interest.
I really had a feeling to be in good hands with her as she really run the extra mile for us.
I am really glad for her fabulous service!

Date posted:20th March 2017
Name:Michele Marchetti
Expat based in:Switzerland

Thanks You !

I couldn’t recommend Meridian more. My mortgage wasn’t straight forward, but Tracey found something suitable for my circumstances. Everything was made simple, charges explained up front. Thanks you!

Date posted:19th March 2017
Name:Sharon
Expat based in:Brisbane Australia

Knowledge, Contacts, and Tenacity

When searching for an ex-pat mortgage it quickly became apparent that I had extremely limited options. I had almost given up until I contacted Tracey Barnes at Meridian Mortgages. From the outset Tracey was extremely responsive, knowledgeable and honest with regard to my questions. She quickly identified suitable lenders and guided me through the application process. Tracey was always available and responsive throughout the entire process right up until all the legal work was completed and we took possession of our new home. I am certain that without her knowledge, contacts and tenacity that we would not have been able to make this purchase. I would highly recommend Tracey Barnes to any expat considering buying a home in the UK.

Date posted:1st March 2017
Name:Scott Kennedy
Expat based in:The Bahamas

Responsive & Clear

Michael provided an excellent service in arranging for refinancing of our current mortgage. He was able to source a significantly lower rate than that offered by my existing provider. He was at all times responsive and clear. His assistance with the paperwork meant that the transaction went through smoothly.

Date posted:7th February 2017
Name:David Snell
Expat based in:Welligton New Zealand

Leap Into Action

Finding an ex-pat mortgage from overseas was a huge challenge for us and we had almost given up until we got in touch with Michael from Meridian Mortgages. Over the course of a year Michael patiently provided advise and support in our search for a mortgage whilst we decided what we wanted to do regarding our next property purchase. When we were finally ready Michael sourced our mortgage for us, this became stressful for us when realised that specific product wasn’t quite what we wanted but this didn’t phase Michael who lept into action to find us another one. He also had a very calming affect on us when supporting us through this challenge any nothing stresses him. We have now received our mortgage offer thanks to Michael’s hard work, support and tenacity and we thank him immensely and couldn’t have done it without his help.

Date posted:3rd February 2017
Name:Victoria Avery
Expat based in:Ex-Pat Living In Australia Sydney

So Grateful

We have been so grateful for all the support we have received from Tracey Barnes & Meridian Mortgages. Being overseas for twenty years made getting a mortgage in the UK very hard. We had lots of challenges to overcome and we could not have done it without all the help and time Tracey provided. It was a very stressful time for us but we knew we could rely on Tracey’s prompt responses and professionalism to get us through it all. THANK YOU Tracey – we would not have got this far without you. We can’t recommend you and Meridian Mortgages enough!

Date posted:27th January 2017
Name:Denise Dale
Expat based in:Quatar

Easy and Reassuring

I would like to thank Michael Johnson of Meridian for guiding us through securing our first UK mortgage and doing this while we were overseas. Michael found a lender us, not easy given our situation, and looked after everything. Communicating with Michael was easy and reassuring. We would use Meridian again.

Date posted:25th January 2017
Name:James Wicken
Expat based in:Offshore

Helpful and Efficient

I cannot recommend Tracey Barnes and Meridian highly enough. From beginning to end of my Ex Pat mortgage application, highly professional and knowledgeable, helpful and efficient. Sincere thanks to you

Date posted:19th January 2017
Name:Virginia Correll
Expat based in:Greenwich, CT, USA

Great Service

A big thank you to Michael Johnson and the Meridian Mortgages team for finding and securing a 2nd BTL mortgage for us as Expats living in France. Great service as always!
Kind Regards
Lucy

Date posted:17th January 2017
Name:Lucy
Expat based in:Grenoble, France

No Hesitation

Tracey supported us with a mortgage application in December 2016. We could not have faulted the service and support that she offered, I would have no hesitation in recommending her in the future.

Date posted:12th January 2017
Name:Kerry Kidd
Expat based in:Aberdeen

Hugely Impressed

I was hugely impressed with the service promised and the product delivered by Tracey Barnes. We live in the UAE and she showed suprême knowledge, patience and understanding getting us through the hoops. She took away almost all of the stress and kept us constantly informed. We got our new mortgage this month. Thank you, Tracey!

Date posted:12th January 2017
Name:Jay Graham
Expat based in:UK home owner UAE

Professional, Knowledgable and Helpful

Michael was recommended by a colleague and from the outset he was professional, knowledgeable and helpful. Having lived overseas for many years, it was proving really difficult to find a lender who would lend to an ex-pat and without Michael’s input and expertise I think I may have given up. I would have no hesitation in recommending him to anyone looking to buy a property, particularly those that live overseas.

Date posted:10th January 2017
Name:Kate Bates
Expat based in:Grand Cayman

Incredible Throughout

Michael at Meridian was incredible throughout our mortgage application / offer.
He gave excellent advice and first class customer service. He often went above and beyond and should be the benchmark for any & all mortgage brokers. I was extremely impressed by the dedication he showed to pushing things along with all parties.
I / we would recommend Michael’s services to anyone looking for help with buying a property, particularly if you live abroad.

I still owe him a bottle of champagne as a thank you .. and this will be duly delivered when we complete.
First class service from someone who takes pride in what they do.

Thank you !!!

Date posted:2nd January 2017
Name:Brian Rooney
Expat based in:Banking Executive Hong Kong

Honest and Knowledgable Advice

Working abroad has always provided the challenges to managing our property back in the UK, and when it came to re-mortgage time I was really looking good, honest and knowledgeable advice!

I am so very glad I came across Michael’s company and can not say enough about the professionalism through-out the entire process.

I will definitely recommend Michael for any expat requirements and will definitely use them again in the future.

Henrico

Date posted:8th December 2016
Name:Henrico du Plessis
Expat based in:Offshore

Extremely Smooth Process

As an Expat working overseas for many years it had proved difficult to secure the right mortgage or to even find a lender. Tracey was fantastic from day 1 – She was able to help us to secure the necessary funding through the right lender.

Her knowledge and experiences have helped make the process extremely smooth and relatively stress free.

Would certainly recommend Tracey to help you to find the right mortgage for you.

Paul

Date posted:6th December 2016
Name:Paul Burgess
Expat based in:Saudi Arabia

Excellent Advice & Customer Service

Michael at Meridian provided us with excellent advice and customer service. He was happy to talk us through each step of the process and answer any questions, getting back to emails and phone calls right away. We were impressed by the dedication he showed to pushing things along with all parties concerned, chasing up the mortgage provider in particular, and keeping in contact with the estate agent and solicitors to reassure them that all was in hand.

We would recommend his services to anyone looking for help with buying a property, particularly if you live abroad and/or have a busy schedule to manage. A great recommendation from a friend who was also impressed with his services.

Date posted:10th November 2016
Name:Thomas Hughes
Expat based in:Shanghai

Unparalled Application Process

Tracey was superb throughout the entire mortgage application. Her knowledge of the products and application processes are unparalleled. As a first time buyer/investor I was apprehensive but she readily addressed all of my concerns.

There were complications with the development, extending the completion timeline; however Tracey was on hand to remedy the situation with the lender.

I would highly recommend her services to any expat looking for a mortgage in the UK.

Date posted:10th November 2016
Name:Karl Reader
Expat based in:Singapore

Beyond Superb

I was recommended to Tracey Barnes through a contact in Singapore. As a British Expat living in Singapore it has become increasingly difficult to get Buy to Let and Holiday Let Mortgages. Dealing with Tracey was beyond superb, her professionalism, support, advice, efficiency was first class. She guided me through the process, assisted and guided where some of the paper work became challenging. I will certainly be using Tracey again and I will be highly recommending Tracey to fellow expats in Singapore.

Date posted:1st November 2016
Name:Jonathan Mills
Expat based in:Singapore

No Hesitation

I found Meridian Mortgages through a google search and it couldn’t have worked better.

I had been struggling to find any mortgage company willing to provide me services due to me being based in Azerbaijan. Michael Johnson of Meridian assured me that he could find somebody and surely enough within a few days, he returned with positive news.

The process was easy and the steps clearly outlined by Michael and I would therefore have no hesitation in recommending both Michael and Meridian.

Thanks a lot guys for your help.

Date posted:20th October 2016
Name:Michael Hammond
Expat based in:Azerbaijan

Filled With Confidence

Finding Michael on the internet was one of the best things that we could have done. Returning to the UK from Florida was a daunting experience, but Michael’s help was invaluable and he managed to maintain our mortgage offer for three separate properties when the first two fell through.

His cheery voice always filled us with confidence and we would recommend his services without hesitation.

Date posted:5th October 2016
Name:Paul Watkin
Expat based in:Returning to the UK from Tampa Florida Tampa, FL

In Capable Hands

We had a really positive experience in working with Michael, he was efficient, prompt with communication and had a great understanding of the problems faced by expatriates in obtaining mortgages. Obstacles with lenders were negotiated and overcome and throughout we felt that we were in capable hands. We would use him again and would highly recommend him.

Date posted:4th October 2016
Name:Paul Evison
Expat based in:Singapore

Proactive, Responsible & Knowledgable

Tracey Barnes of Meridian Mortgages was absolutely fantastic in helping us secure a mortgage for an investment property in the UK. She was so proactive, responsive and knowledgeable. We are extremely grateful and would highly recommend her services.

Date posted:21st September 2016
Name:Anna
Expat based in:Offshore

Extremely Efficient and Responsive

Niel has found me a mortgage on two occasions and both times has been extremely efficient and responsive to my precise needs and situation.

Those of us with non-standard lives living and working in more than one country can find ourselves misunderstood or turned away from UK high-street banks, but with Niel and his colleague Michael I know that there is always someone who is prepared to go that little bit further to understand my situation and find a product that is just right.

I would recommend without hesitation.

Date posted:20th September 2016
Name:Daniel Pashley
Expat based in:EU worker (UK expat) Luxembourg

An Absolute Recommendation

Michael provided an excellent service in arranging our expat mortgage. We live in France and purchased our 1st investment property in the UK through Meridian/Expat. Michael is easily reachable and always happy to provide expert advice and guidance, i would absolutely and highly recommend expat mortgages.
Chris

Date posted:19th September 2016
Name:Chris T
Expat based in:Grenoble, France

Extremely Grateful

I am extremely grateful to Michael Johnson of Meridian Mortgages for helping me to source funding for my property purchase in the UK. I had exhausted all avenues prior to speaking with Michael and was worried that I would not be able to complete on my off-plan purchase, for which I had already paid a non-refundable 20% deposit.

Michael was able to quickly source an appropriate lender who would consider my application despite being self-employed, living abroad and purchasing a buy-to-let property. It was a complex process, one which Michael guided me through at each stage, and I was delighted to receive an offer and complete on my property.

I have no hesitation in recommending Michael and Meridian Mortgages.

Date posted:6th September 2016
Name:Rory Allen
Expat based in:British Expat Hong Kong

Out of Hours

After working away from the UK for 9 years it was becoming extremely difficult to obtain a mortgage to buy in the UK.

Michael Johnson from Meridian Mortgages helped me obtain a good deal with Skipton. Michael not only helped with filling in all the forms, compiling the documentations required and liaising with the mortgage provider on your behalf, he often went out of his way to help in all other aspects of the process occasionally taking calls out of office hours and weekends. I am extremely happy with the service I received from Meridian and would definitely use and recommend Michael for helping you with all your expat mortgage requirements.

Thank you Michael for all your help:)

Date posted:30th August 2016
Name:Araz Adam
Expat based in:Expat working in the Middle East Bahrain

The Epitome of Excellence

I had tried many avenues to try and get a mortgage for a property in the UK whilst living in Australia, with the added complication of wishing to purchase my parents house to free up capital for their retirement. I had contacted all of the general banks and also some mortgage companies who labelled themselves as ‘specialist’, but none could help and few wanted to as my requirements were in the ‘too hard’ basket.
I had pretty much given up hope until I came across Meridian. I spoke with Michael Johnson who was friendly, understanding and excellent at finding a product that offered a solution to my problem. Michael was the epitome of excellent customer service. He provided great advice and support and remained committed to helping me right until the very final day of the sale completing.
I must say that I would recommend Michael without any hesitation. The service you get from this company is the type of thing that you can only wish for, but very rarely experience.
Without wanting to sound over the top, I can honestly say that if it wasn’t for Michael, purchasing my parents house and therefore allowing them the freedom to enjoy their retirement would simply not have been possible. I am very grateful.

Date posted:29th August 2016
Name:Jane Edmond
Expat based in:Director Perth, Australia

Unfailing Clarity

A few years ago we found ourselves in the absurd position of having had an offer accepted on a property but without financing because our lender had changed the rules at the very last minute. I contacted Grant Banks and he was able to secure funds for us within a very short time. Since then we have used Grant on a number of occasions – he is very professional and able to put deals together when others cannot. He is consistently prompt in his responses to queries and unfailing in his provision of clarity of what is required to complete the application, and all this over distance. I would recommend Grant and the team without any hesitation whatsoever.

Date posted:24th August 2016
Name:JH
Expat based in:Offshore

Well Informed

Swift, professional, pragmatic and well-informed service. Always attentive and unfailingly polite. I would certainly use again.

Date posted:15th August 2016
Name:Robert Wilkinson
Expat based in:Professor in South Africa

Stress Free & Extremely Smooth

I was extremely pleased with the service provided by Tracey at Meridien. This was my second BtL purchase and I wish I had known about Meridien when I bought the first! Dealing with Tracey made the entire process stress free and extremely smooth. She kept me fully updated, without prompting, throughout, from the initial discussions through to completion and I would highly recommend her to any expat seeking a UK mortgage.

Date posted:11th August 2016
Name:Jill Wood
Expat based in:Dubai UAE

Clear, Honest, Helpful and Patient

My wife and I have been dealing with Tracey since 2013 and she has assisted us with sourcing finance on two properties so far. Tracey has always been clear, honest, helpful and patient with all of our issues and concerns. I have dealt with several other mortgage consultants but having dealt with Tracey we shall no longer use any other consultant as the service we receive is so far beyond what we expected. I have recommended Tracey to numerous other expat colleagues and all of them have given me the same positive response.

We will likely be looking at a further mortgage product later this year or sometime next year and intend to be in touch when we decide to move forward.

Kind regards

Richard Begbey

Date posted:11th August 2016
Name:Richard Begbey
Expat based in:Offshore

Sincere Thanks

Sincere thanks to the team at Meridian for all of their help. Having tried to refinance our UK property through a number of well known Banks and Building Societies I had, all but given up hope of making any progress unless I came back to live in the UK. Having searched Google I enquired with Meridian and successfully managed to secure a product that works extremely well for us.

No hesitation in recommending Grant Banks and the team

Date posted:29th July 2016
Name:Neil W
Expat based in:Australia

I Can’t Praise and Thank Him Enough

After trying a few different avenues to get a mortgage I was feeling quite hopeless. I thought that there would be no way around it unless I went back to the UK and began the whole process again. My situation was complicated and the thoughts of ever buying my home was a distant memory.

Unti I saw an ad about expat mortgages as I was surfing the net waiting for a ferry. I didn’t actually hold out too much hope I have to say, but emailed nevertheless. And then Michael responded! and he saved the day.

I can’t praise and thank him enough, with the efforts and extra ‘half mile’ he took to help me secure a mortgage offer. He was there for me at each step, making the process less stressful, he made me feel at ease and confident that everything would be ok, and that’s because he matched my details with the right mortgage provider from the start. He was fast to respond to my emails, and on the phone, he always sounded happy and felt like he had all the time in the world for me in helping to respond to my stresses.

Cannot recommend him enough, and as I do to everyone in Hong Kong that is looking for a mortgage broker.

Date posted:28th July 2016
Name:Patricia
Expat based in:English teacher at an International School, Married, mother of 2 boys. Hong Kong

Great Job Done

Having decided to try and purchase a property back in the UK we immediately ran into hurdles as an expat living abroad. Tried in vain to arrange a mortgage direct with my bank but to no avail. Came across Meridian on the internet and was put in contact with Niel. He did a great job on our behalf and took away the stress that we were facing. I would highly recommend working with him to anyone in the same situation

Date posted:28th July 2016
Name:Iain Micallef
Expat based in:Dubai UAE

A Fantastic Job

Niel did a fantastic job of finding me a specialist expat mortgage. I’m based in Malta with a UK property and would not have been able to find this type of mortgage. The rate was even lower than what I was currently paying. I would highly recommend expat mortgages to anyone in the same situation.

Date posted:27th July 2016
Name:Shabab Khan
Expat based in:Expat Living in Malta

“LEGEND”

Being an Expat, It is always difficult to proceed with a UK mortgage being abroad. I had spoken to few brokers,and found them provide me with flase promises. This is until I came across Micheal Johnson. Just as I was ready to throw in the towel, I emailed Meridian Mortages who I got to know through google, and thought submit a request for a mortgage just for the sake of it. Since communicating with Michael from day one till the approval of my mortgage, I have been so impressed with this man, so profession and helpfull and very easy to speak to. He knew exactly what I needed, and fulfilled what other brokers couldn’t. “LEGEND”. If I ever move back to the UK, I would love to get a job in the same organisation.

Date posted:24th July 2016
Name:Azad Al-ansari
Expat based in:Dubai

Making Dreams Come True

We would like to take the time to thank Michael for making our dreams of buying a property back in our homeland of Scotland a reality. After being advised by our own bank back in the UK that there was no way anyone living in Australia would be given a mortgage Michael did the impossible and YES he delivered a mortgage as he said he would. What a really genuine person he is, who was always at the end of the phone no matter what the time difference was to answer and resolve any issues we were having. He was totally professional in all aspects of his job and my advice to everyone out there is everyone should have a Michael on their side when looking for an expat mortgage, he makes everything so much easier and takes the stress out of what can be one of the most stressful time in your life. Once again thank you.

Date posted:20th July 2016
Name:Elizabeth Gilloway
Expat based in:Queensland Australia

Extremely Knowledgable

Michael is one of those people who you think are too good to be true, except he really is that good! Extremely knowledgeable in his field, he was able to suggest a number of products that fitted my needs and ended up getting me a great deal. I will definitely be going straight back to him next time I need a broker. Thanks for all your help.

Date posted:19th July 2016
Name:Jon Glenn
Expat based in:Sydney Australia

A Remarkable Service

I received a remarkable service and would like to recommend expat mortgage to all those who are working abroad.

I live in middle east and buying a property and getting a mortgage was difficult but a big Thank you to Michael Johnson who provided the outstanding service and made it work for us. Much appreciated Michael!

Date posted:16th July 2016
Name:Enamul Haque
Expat based in:British Expat Middle East

Completely Professional

A completely professional service. Quick responses to dumb questions dealt with with humour and efficiency. Great deal on a mortgage otherwise difficult to organise as a UK non-resident and can recommend without hesitation

Date posted:28th June 2016
Name:Alasdair
Expat based in:France

No Hesitation

We’d had some issues trying to secure a mortgage for a purchase in the UK, even with a pre agreement from our existing bank. Niel managed to sort out a deal for us with a reputable bank in a reasonable time so we did not lose the property we had an offer accepted on. I would have no hesitation in recommending their services.

Date posted:12th June 2016
Name:Tom Craft
Expat based in:HR Manager Dubai

Fast Response

Thanks for making what I’ve heard from many is a very tricky task, so straightforward, and for responding to my queries so fast. I’m happy to recommend you on to others.

Date posted:9th June 2016
Name:Sassy
Expat based in:Associate Professor Kenya

Delighted With The Service

I am delighted with the service offered. They made a overwhelming task straight forward and got me a great deal with a high street bank.
Tracey was fantastic, she worked on my time zone to help me pull in the necessary documentation.

Date posted:7th June 2016
Name:Esi Cunningham
Expat based in:Ex Pat TV Professional NY

The Best Deal In The UK

Before approaching Expat Mortgages, I had tried to contact mortgage lenders in the UK directly but without much success. Even my own bank in the UK with whom I have a Premier account were not interested in providing a mortgage, as I was living overseas! Tracey at Expat Mortgages, really helped me find the best deal for my circumstances and guided me through the whole application and approval process. I would recommend contacting Expat Mortgages to anyone living overseas that wants to find the best mortage deal in the UK. Thank you to Tracey and team!

Date posted:7th May 2016
Name:David Lucas
Expat based in:VP R&D Malaysia