by admin | Mar 20, 2026 | credit reference, Expat mortgages, Mortgage rates, Re-mortgage, Releasing cash, Switch mortgages, UK mortgage, UK property
The 90 % Expat UK Mortgage & other unique expat mortgage deals…!
Get it while it lasts.. the 90% expat mortgage is still available serving UK passport holders & Irish passport holders ( with a Uk credit history) overseas working in over 150 countries:
Up to 90% LTV on a 2 yr Fixed 5.49% & Max loan £585K
Its quite a unique proposition that as an expat you can buy a home for you/ family use while working overseas in a different currency. Not many lenders are able to go to 90% and so there are some stipulations:
- Earn over £40K GBP equiv a year as a minimum
- Have a UK credit footprint
- No adverse credit in the Uk
- Employed applicants only (not self employed)
- Applies only to England/Wales
Reach out to us / book a call to explore if you fit criteria and get a free approval.
Other Unique Expat Deals:
Expat Self Build mortgages – Up to 80% of purchase price / project value. This product can be used for Ground up new builds or for Non-habitable renovation projects. The client needs to have sufficient funds to pay for each stage in advance over a 4/5 stage funds release completion process.
Expat – No Proven income Buy to let up to 85% – If you are employed / Self employed as a UK Expat and either want to buy or refinance a Buy to Let in the UK, we have some lenders that dont even ask for proof of income. So if your income varies or is on the light side, then this could be a great solution.
As an expat you may be unsure what might be possible or what your next move should be and we are on hand to help explore the options available to you.
Book a call here
Market Updates
- Get Fully prepared for the Renters Rights act – with Rob Dix ‘How to be a landlord 2nd edition’ – with now a Amazon discount ! get it here.
- Its Fast and furious now with the Middle East Chaos to remortgage ..mortgage products are expiring quicker than milk at the moment. read the report here.
- Are HMO mortgages worth re-considering ? – this report shines a light on the rising market of room rents. Get the article here
- MTD – Making Tax Digital – becomes a reality from April 26. Get prepared now with this podcast
Next Steps…
Book a Free Discovery call here & if your not sure what a discovery call is all about Ive made a series of videos on what to expect here.
A Great way to get frequent updates, hints & tips and insider industry knowledge of the complex / expat mortgage market is to join our YouTube channel here.
Our Quick 60sec Quote page allows you to obtain the latest rates to be expected and you can request a specific quote by sending an email to info@mymotgagedeal.co.uk
by admin | Mar 5, 2026 | credit footprint, Expat mortgages, Mortgage rates, Re-mortgage, Releasing cash, Switch mortgages, UK mortgage
Expat UK Mortgages help during Middle-East tensions … how?
Recent events in the middle east have demonstrated that everyday life can change almost overnight & without getting political… we hope everyone including our existing expat clients and their families remain safe and secure during this difficult period.
Having spoken to several clients just this week in the Gulf region, it’s clear that expat mortgages can play an important role in giving stability and flexibility during periods of regional uncertainty.
Here are top 3 things that Expat mortgages can help with:
- A stable asset in a secure UK property market
Rather than all your cash in a foreign currency in an overseas bank, owning a property in the UK can act as a ‘safe harbour’ alongside income earned abroad. Using an expat mortgage be it for a residential (own use) or a Buy to let (investment) property can diversify and grow your asset base within the protections of a stable UK property market.
- A Go-To relocation option
Political tensions in any part of the world may require expats to re-pat and therefore acting now to buy a property with an expat mortgage can allow you to:
- Secure property while earning overseas
- Potentially rent it out as a buy to let
- Move back to the property when able to do so
Speaking with a specialist expat mortgage broker can outline what may or may not be possible relating to lenders criteria.
- A reliable wealth building strategy
All assets can rise or fall with economic or geo political instability, however over the long term UK property has proven to be a reliable wealth building asset, and even if property values haven’t risen significantly, obtaining mortgage debt on property can help accelerate further property acquisitions and subsequent yields from buy to let rental income.
As an expat you may be unsure what might be possible or what your next move should be and we are on hand to help explore the options available to you.
Book a call here
Market Updates
- 40% of homes on the market are now cheaper to buy than to rent… among some other interesting facts! read the article here.
- Is now the BEST time ever to invest… a bold claim, lets dig into this one ever deeper. listen to the the episode here.
- 90% borrowing for Expat mortgages – this makes property ownership closer than ever for exapt clients out there. book a call to discuss further.
- MTD – Making Tax Digital – becomes a reality from April 26. Get prepared now with this podcast
Next Steps…
Book a Free Discovery call here & if your not sure what a discovery call is all about Ive made a series of videos on what to expect here.
A Great way to get frequent updates, hints & tips and insider industry knowledge of the complex / expat mortgage market is to join our YouTube channel here.
Our Quick 60sec Quote page allows you to obtain the latest rates to be expected and you can request a specific quote by sending an email to info@mymotgagedeal.co.uk
by admin | Feb 19, 2026 | credit footprint, Expat mortgages, Mortgage rates, Re-mortgage, Switch mortgages, UK mortgage
Expat UK Mortgages VS Foreign Income UK Mortgages
Welcome to the next edition of INSIGHTS covering complex UK mortgages
Within a world of faster travel, remote working and commercial globalisation, many clients can find themselves living in one country but working for a firm in a separate country to his/her citizenship and earning a completely different currency to both countries.
Example: UK national who lives / works in Norway for a Canadian Oil/Gas firm and earns in USD.
And the list goes on of the different set ups and variances that could be the case. However what is the difference between an Expat mortgage VS Foreign Income mortgage for UK property?
Expat Mortgages – Generally applies UK nationals living and working in a Non- UK country on a long term or permanent basis whether or not they earn in £GBP or any other currency.
Example Expat – UK national in a permanent employed position with a Pharma company in USA, does not return to UK often other than for holidays. Wants to buy a UK property to let out. Result – Expat BTL mortgage.
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Foreign Currency Mortgages – Generally applies to ANY nationality UK or other with rights to reside/ work in the UK & already proving a residence in the UK (rented or other) while earning a non £GBP income.
Example Foreign Income – Italian National with UK permanent rights to reside/ settled status, in rented accommodation in Bournemouth. Wants to buy his first UK home. Client works on a 6 week on 3 week off rota on a Cruise Ship and earns in USD. Returns to the UK regularly where his family resides. Result – Foreign Currency mortgage
These 2 examples demonstrate that even though in both cases the applicants earns USD and work outside of the UK, one of the applicants is living outside of the UK, while the other has his central family affairs in the UK. These are the small details lenders look at to fit either Expat or Foreign Income policy.
Extra INSIGHT – Does it matter where the client is paying Tax ? In most cases the answer is no, many lenders are comfortable with both Expat clients and Foreign income clients having either no UK tax liability or having a Tax liability in the country of residence outside of the UK. UK lenders will still use the Gross income of the applicant to work out affordability.
Currency Exchange Risks
What lenders do when it comes to affordability especially on residential property (not BTL) is apply a HairCut of 15-20% off the currency gross income to account for FX fluctuations before applying their mortgage affordability multiple to provide a max loan size. Whereas Buy to Let is based on the rental yield.
Extreme Foreign Currency Lending!
Very few lenders in the UK will consider a foreign income for UK resident applicants, and if they do, they usually have a small list of acceptable currencies ie: USD, EUR, AED, CHF.
However we work with some that allow the most unusual currencies:
Extreme Example: UK national with UK residence/ mortgage who was posted 12 months to UGANDA with a NGO organisation for UN research – earning in local Ugandan Shilling, client wanted to re-mortgage their UK property and to release equity for an onward UK BTL mortgage. Result – NOT Expat as this was temporary posting and classed as a Foreign Income Mortgage.
As you can see there are very complex scenarios with this topic, and so it is always best to speak with your friendly Expat/Foreign income Mortgage Specialist about your scenario and lets see how we can help.
Book a call here
Market Updates
- A robust start the year for the UK housing market with HFX housing update read the article here.
- Get up to date with Rob Rob ! the latest February episode is a cracker get the episode here.
- Expat lenders have typically required all applicants to be UK passport holders, however a few new policy changes with expat lenders are now accepting Irish nationals under same terms as UK nationals. Book a call to discuss further.
- Living in Northern Ireland (NI) but working in Republic of Ireland (ROI) ? likely you are earning in EUR – there are some Foreign Income lenders accepting this scenario for employed and self employed applicants and offering best in market rates for residential and BTL in NI. Book a call to discuss further.
Next Steps…
Book a Free Discovery call here & if your not sure what a discovery call is all about Ive made a series of videos on what to expect here.
A Great way to get frequent updates, hints & tips and insider industry knowledge of the complex / expat mortgage market is to join our YouTube channel here.
Our Quick 60sec Quote page allows you to obtain the latest rates to be expected and you can request a specific quote by sending an email to info@mymotgagedeal.co.uk
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by admin | Feb 5, 2026 | credit footprint, Expat mortgages, Mortgage rates, Re-mortgage, Releasing cash, Switch mortgages, UK mortgage, UK property
Best Expat Rates – Require this secret formula !
Welcome to the next edition of INSIGHTS covering complex UK mortgages
Lots of clients ask me each week to source the best rates for their expat status. The reality is that the BEST rates on offer require a little known formula…
FORMULA to BEST Expat rates…
So lets get straight to it, firstly as of writing in February 2026 the best 2 yr fixed rate expat deal is 4.16%. So how would someone qualify for this rate?
Clients need to be:
- Employed or Self Employed earning over £75K GBP per annum (GBP equiv)
- Good Credit scoring in country of residence (no need for UK credit score)
- Borrowing at 60% of value or less
AND
Clients can be:
- First Time Buyers
- Without a UK credit score
- ANY nationality
So far so good I hear you say.. well the next criteria is where many clients cannot meet the requirement:
MUST be resident in:
Australia ~ UAE ~ Qatar ~ USA ~ Hong Kong ~ Singapore ~ Malaysia ~ Switzerland ~ Taiwan ~ Channel Islands.
If you are not resident in any of these areas above, then the 4.16% deal is not available.. However not to worry we have rates from 4.35% for many other regions including GCC countries such as: UAE | Qatar | Saudi | Bahrain | Kuwait | Oman
And if you are not in a GCC region there are rates from 4.8% on 100+ of other countries again for ANY Nationality looking to buy or refinance UK property.
So if your considering UK property and mortgages while outside the UK, where you don’t meet the Best Rates criteria above, don’t worry, there could be other good priced options available.
If you would like to discuss these or other aspects of your UK mortgage deal book a call here.
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All our back issues are here>>
And now for that video case study …watch this one.
Expat – in EU buys to Multi-Use
Market Updates
- What were the best areas for UK property in 2025 ? our trusted friends at right-move have an interesting take on it read the article here.
- Is UK property investing really still worth it ? as many expat clients consider other investments in different regions. watch the episode here.
- NEW 90% Lending for Expat residential clients, whereby clients need to only be earning £40K+ per year and be Employed. Rates from 5.45% Book a call to discuss further
Next Steps…
Book a Free Discovery call here & if your not sure what a discovery call is all about Ive made a series of videos on what to expect here.
A Great way to get frequent updates, hints & tips and insider industry knowledge of the complex / expat mortgage market is to join our YouTube channel here.
Our Quick 60sec Quote page allows you to obtain the latest rates to be expected and you can request a specific quote by sending an email to info@mymotgagedeal.co.uk
by admin | Jan 22, 2026 | credit footprint, Expat mortgages, Mortgage rates, Re-mortgage, Releasing cash, Switch mortgages
3 MYTHS holding Expats back from UK property in 2026
Welcome to the next edition of INSIGHTS covering complex UK mortgages
Things are looking up in 2026 for UK property investors, with lower Bank rate, lower mortgage rates, inflation lower than 12 months ago and what many consider to be a buyers market, with sales of property not particularly fast, giving opportunity to the considered investor.
However each week I speak with many Non UK residents & Expats who are held back by common misconceptions with regards to UK mortgage finance. So its a great opportunity at the beginning of 2026 to expose those Myths!
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MYTH 1 – You need to be a UK resident to get a UK mortgage –
WRONG – UK mortgages fall into 2 categories, Own use (residential) & Buy to Let (Investor) Both mortgages are available to UK non residents and Expats
Further to this, you don’t need to be a UK passport holder or even have any rights to reside in the UK to be able to obtain a UK mortgage.
Case Study 1 – Mr Gregg – South African National – Living & Working In Australia – Wanted to purchase a Buy to Let in Manchester as a first time buyer, first time landlord with no UK rights to reside. APPROVED!
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MYTH 2 – You’ll need a UK history/credit Score to get a UK mortgage –
WRONG – Many lenders consider UK expats and Foreign National clients ( in selected countries) for UK mortgages, even if they have never stepped foot in the UK, therefore buying effectively at a distance, this can apply to both Own use (residential) and Buy to Let (investor) properties.
Case Study 2 – Mr M Khan – UAE National – Living & Working in GCC – wanted to buy a UK property for his son & daughter to attend UK university, no UK credit footprint, No rights to reside, first time buyer, first time landlord. APPROVED !
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MYTH 3 – Expats need a large proven income to mortgage any UK property
WRONG – In particular with Buy to Let (investor) mortgages the income barrier to entry is low, because the affordability is based on rental yield rather than actual earned income. While having proven income can help get better deals of course, there are some lenders that have no ‘minimum’ income availability.
Case Study 3 – Mr & Mrs Jeffrey – UK expats – Semi Retired in France
Wanted to access their equity on 3 of their Buy to Let properties in the UK, total equity available was £300K, they needed £200K while being in their 70s, no proven income & low credit score in the UK. APPROVED !
So if your considering UK property and mortgages while outside the UK, with limited residential status or low / non proven income then do not discount the idea straight away, there could well be options available.
If you would like to discuss these or other aspects of your UK mortgage deal book a call here.
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All our back issues are here>>
And now for that video case study …we keep MYTH busting.. watch this one.
Expat – Mortgages without Payslips!
Market Updates
- Housing forecast for 2026 and beyond from Hamptons a UK leading estate agent read the article here.
- Property Scams haven’t gone away, we advise watching this video about the top types of UK dodgy dealings watch the episode here.
- Always a favourite from the Property Hub team, Rob & Rob outline the UK property hotspots for 2026 – don’t miss it Get it here.
- Expat lenders have recently revised and lowered some rates, with one lender offering a 2 Yr fixed deal at 4.35% for loans over £750K particularly aimed at clients in the GCC regions.
Next Steps…
Book a Free Discovery call here & if your not sure what a discovery call is all about Ive made a series of videos on what to expect here.
A Great way to get frequent updates, hints & tips and insider industry knowledge of the complex / expat mortgage market is to join our YouTube channel here.
Our Quick 60sec Quote page allows you to obtain the latest rates to be expected and you can request a specific quote by sending an email to info@mymotgagedeal.co.uk
by admin | Jan 2, 2026 | credit footprint, Expat mortgages, Mortgage rates, Re-mortgage, Switch mortgages, UK mortgage
Expats & Foreign Nationals – Opportunity calls in 2026
Welcome to the next edition of INSIGHTS covering complex UK mortgages
With the end of 2025, and now entering 2026, there have been a number of UK mortgage developments with UK banks and lenders that mean accessing the UK property market as an expat or Non UK resident with mortgage financing has never been more accessible.
We summarise a few of these developments and a case study to highlight one of our wins this year.
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Age barriers basically gone – More lenders than ever are relaxing their maximum age at term end with some lenders allowing to age 85+.
Ltd co Buy to Let deals – A few more expat lenders have entered the Ltd co buy to let market for expats, and one or two even permitting up to 80% LTV.
Non UK nationals – This is an area of particular progress, many of the Non UK national clients have been hit with higher rates for both residential or BTL lending. Now one or two more lenders have entered the market adding more competition and driving down rates accordingly.
If you would like to discuss these or other aspects of your UK mortgage deal book a call here.
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And now for that case study … an expat in UAE looking for a ltd co BTL mortgage !
Expat – UK ltd co BTL
Market Updates
- More Help for borrowers with a reduction to the UK BOE rate from 4.00% to 3.75% and its thought this will improve buoyancy in the market read the article here.
- Its a buyers market, asking prices are lower in December than at the same time last year.. but is a bounce to higher prices ahead ? Read the article here
- If you have never listened to the Property Hub team, we recommend doing so – Rob & Rob showcase their top 2025 episodes of the year. Get it here.
Next Steps…
Book a Free Discovery call here & if your not sure what a discovery call is all about Ive made a series of videos on what to expect here.
A Great way to get frequent updates, hints & tips and insider industry knowledge of the complex / expat mortgage market is to join our YouTube channel here.
Our Quick 60sec Quote page allows you to obtain the latest rates to be expected and you can request a specific quote by sending an email to info@mymotgagedeal.co.uk
