• expat buy to let mortgages

    Expat buy to let mortgages

    Expat mortgages for buy to let or investment property.

Expat buy to let mortgages.

Whether you've decided to extend your buy to let portfolio, or simply looking to buy a property to let until you return to the UK, we can help you find the right mortgage.

In general most lenders will assess buy to let mortgage applications based on either rental income projections or an applicants own personal income when determining borrowing limits. A limited number of lenders will consider both rental and personal income when assessing a case.

The table below can be used to give you a good idea of the maximum Loan To Value (LTV) available if you're considering purchasing a buy to let property in the UK.

Employment status Max LTV
Self Employed 75%
Contractor 75%
Employed 75%

Our Mortgage Sourcing Service gives access to a comprehensive range of UK mortgages; simply enter a few basic details and we'll return suitable UK expat mortgage options.

UK regulation of expat buy to let mortgages.

UK Expatriate mortgages are regulated if more than 40% of the property being purchased will be occupied by the purchaser or a member of the purchaser's immediate family.

Mortgage Regulation also applies to "buy to let" property if you or your family have an intention to return to live in more than 40% of the property at some time in the future. Most other buy to let mortgages will not be regulated by the FCA.

Even when mortgages fall outside regulation parameters it is prudent to use the Annual Percentage Rate Charge (APRC) when comparing mortgage products.

The APRC is more significant than the mortgage interest rate alone as the APRC will indicate the true cost of the mortgage including start up costs and any lenders fees. For example, costs and fees may be higher for mortgages with low interest rates and no early repayment charges. Early repayment charges are often applied if you decide to switch to a different lender in the future.

To help you understand some of the mortgage terminology used on our website we have created a mortgage glossary page with common terms and meanings.


Changes in the exchange rate may increase the sterling equivalent of your debt

expat mortgage clients

We help both UK expatriates and foreign nationals find mortgages for UK property.

We can normally find a suitable mortgage for most individuals including contractors and self employed workers.

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Our company was established in 2002 as a specialist expat mortgage and insurance broker.

Since then we've helped 1000s of UK expats and our experience means we can quickly find the most suitable products to match your individual needs.

Being part of one of the UKs largest networks of Financial Advisors also means we have access to many exclusive mortgage rates not available anywhere else.

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expat residential mortgages uk

Residential mortgages

We have access to mortgage products & services from a comprehensive range of over 65 lenders.

We'll find you a great mortgage!

expat remortgages

Expat remortgages

If you already have a mortgage we could find you a better deal.

Challenge us to save you money!

expat mortgage rates

Expat mortgage rates

Latest expat mortgage rates with maximum lending criteria and APRC comparisons.

Click the link below to see the latest expat mortgage rates.

Mortgage Rates
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Mortgage protection

We have access to international life insurance and income protection plans for peace of mind.

We'll help you find the right cover.

Life Insurance

Already have a mortgage?

We could find you a better deal and help you switch.