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 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.
~ end ~
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.
~ end ~
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 | Nov 27, 2025 | credit footprint, Expat mortgages, Mortgage rates, Re-mortgage, Releasing cash, Switch mortgages, UK mortgage
Autumn 25 Budget – Blunders, Blasting & Big Shake up!
The OBR blundered the releasing of their market report prior to the Budget Speech, the opposition Blasted the leak and maybe lastly the budget announcement was a Big shake up to the tax system, much of which affects homeowners and landlords.. or something in that order !
The 2025 Autumn Budget 2025 delivered by Rachel Reeves brings some tax-hikes on property income: from April 2027, property (rental) income tax rates rise by 2 percentage points — meaning basic, higher and additional rates move to 22 %, 42 % and 47 % respectively.
For high-value homeowners and investors, a new “mansion tax” (a high-value council-tax surcharge) is to be introduced from April 2028 on properties valued over £2 million.
Sigh of Relief…
The Budget did not add National Insurance on rental income — a relief — yet the higher tax rates on property, savings and dividends altogether weigh more heavily on passive (non-salary) income.
For expat investors or non-UK residents owning UK property, these tax changes make structuring and planning more critical (e.g. via ltd company structuring ) to enhance or maintain profitability.
For an independent viewpoint and 3 key take aways from the Budget here is a great video from Property Hub guys Rob & Rob who we love to listen to!
- Increased property-income tax rates
- Need for smarter structuring for expat investors
- Cash-flow & exit-strategy focus becomes more critical
2025 Budget – A Round Up
Moving Properties Personal Name to Ltd co ?
The Budget 2025 shook the market — higher taxes, tighter yields, and growing pressure on landlords. If you own UK property personally, now’s the moment many investors are asking: is it time to switch to a Ltd company? Watch the following video as we break down what’s changing and why your structure matters.”
Three key takeaways relevant to UK landlords and overseas/ex-pat investors:
- Rental-income tax squeeze is real — The video highlights that recent and upcoming tax changes are biting hard into profit margins, especially for higher-rate taxpayers.
- Company ownership increasingly attractive — With personal tax becoming tougher, holding property via a company appears more appealing: lower corporation tax on rental profits and the ability to deduct full mortgage interest. This could improve net yield for landlords and expat investors.
- Up-front costs & structure planning matter — The shift isn’t cost-free: transferring properties into a company can trigger SDLT (and possibly CGT), plus mortgage refinancing and legal/admin fees. For expat investors doing BTLs via Ltd Co — the long-term tax savings need to be weighed against these one-off costs.
There is one commonly discussed exception: if a property portfolio is held in a genuine business partnership (not just passive ownership) and that entire portfolio is transferred to a newly formed limited company — under certain conditions this qualifies for Incorporation Relief, which can defer or even eliminate both SDLT and CGT on transfer.
Book a call to discuss how we help with financing this scenario >> Here
Potentially Reduce Tax to Zero
Market Updates
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 | Nov 12, 2025 | credit footprint, credit reference, Expat mortgages, Mortgage rates, Releasing cash, Switch mortgages, UK mortgage
Credit Blips ! Is the Mortgage a No Go?
Welcome to a further edition of INSIGHTS a newsletter covering aspects of UK mortgages for clients with complex circumstances.
Mortgage lenders are becoming more tolerant of minor issues, and especially where plausible explanations are provided. However if you have a low or no score then there are some things you can do to improve your credit file in the UK if your overseas or not.
In the following we explore:
- Three credit ref agencies
- How to address any blips
- Why small credit facilities can help
Insight -Some lenders accept a low score or they dont use machine credit ratings, rather they have manual credit file via underwriter checks.
Here’s a case study – 2 min video YouTube below:
Improve your Credit file
What if you don’t have any credit file in the UK?
There are some lenders who will permit no credit rating in the UK, provided they have visibility in country of residence or if they can establish a previous UK credit footprint ( which is slight different to a score)
Case Study –
Mr Spears – UK Expat in UAE – had been outside UK for over 10 years so no credit footprint or Score in the UK, he did though have a good credit score in UAE and he was earning over £150K GBP along with wife (Non UK national) .
Property Value £500K Mortgage Needed £375K
Deal Sourced – £375K on 20 Yr term Capital & Interest
4.5% 5 yr fxed
Monthly Cost:£2,374 pcm
Market Updates
- House Price Data released for October and is showing a slight rise month on month Annual house price growth edges higher in October
- The Autumn budget is 2 weeks away, and some landlords are holding their breath.. as extra taxes on Landlords is being seen as likely – but should Landlords be quick to panic or leave the market – here’s the view from one expert
- If you’re an aspiring Landlord then this report might make your ears pick up with rent yields reaching their highest in a decade! read 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
