EXPAT MORTGAGE SPECIALISTS
– Mortgages from £50k - £5m

PURCHASING A MAIN UK RESIDENCE*
Up to 85% Loan to Value Mortgages

Many of our clients have used our services to source mortgages in order to purchase a property back in the UK which will be rented out until they intend to return to the UK. This normally takes place once they have finished working abroad. In many situations and subject to status, raising up to 85% Loan to Value mortgages is available for this requirement.

*All Regulated Mortgages are introduced to and advised by Liquid Offshore Ltd,
authorised and regulated by the Financial Services Authority.

Special Expat Mortgages Schemes

If you wish to buy a house in the UK and use it as your primary residence, lenders will still consider advancing up to 85% of the purchase price or valuation (whichever is the lower). Lending criteria and mortgage terms vary tremendously and different lenders will use their own policy to determine a maximum loan figure. As an expatriate, there are special schemes available to allow you to purchase a main UK residence. However you will have the lenders consent to lease the property out until your intended return to the UK.

Flexible lending to individual circumstances

In addition to offshore lenders, a number of UK based banks and building societies will now consider applications from British expatriates planning to purchase a home in the UK.

Typically the expatriate lenders will use income multiples, affordability and employment status before offering mortgage terms. Some lenders have strict policies and rigid lending criteria whereas others are more flexible and consider individual circumstances before issuing a mortgage offer.

REMORTGAGING A UK PROPERTY
- Up to 80% Loan to Value Mortgages

When a fixed rate deal expires, or simply wishing to release equity. Many clients advise us of their banks unwillingness to help or offer suitable solutions.

In many situations and subject to status, raising up to 80% Loan to Value with potentially more competitive interest rates is available.

In certain situations, when an expat's existing lender realises they have moved outside of the UK, the interest rate can increase and no further equity release can be made available. In these circumstances, it is worth exploring potentially more competitive mortgage options and lenders that are willing to release further equity. As an example this can then be used to help fund a purchase in the country you have moved to.

Releasing equity from UK Property for overseas investments

Liquid can make releasing equity from a UK property to fund the purchase of a foreign property a very straightforward process at a more competitive interest rate than would be available in the overseas country.

Investment property loans, including UK buy-to-let

It is a common misconception that an expatriate can only have one UK property mortgage. In fact, expatriates and foreign nationals can obtain up to 15 different buy to let or investment mortgages. A growing number of clients are purchasing a UK buy to let investment property for their children to occupy whilst attending university thus saving thousands of pounds on high accommodation fees