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Loan amount:
£150k – £10m

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Maximum LTV:

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Term length:
Max. 3 years

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Property location:
England & Wales

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1st charge

Expat Buy-to-Let Mortgage

A buy-to-let expat mortgage is specifically designed for property investors who are based overseas, but still want to purchase property in the UK.

Latest Case Studies

Buy-To-Let Expat Mortgage

  • Loans from £150k to £3m per property
  • Up to £10m on a portfolio with MFS
  • LTV: 75% (the same as non-expats)
  • Interest rates: variable rates available
  • No minimum income if an experienced landlord
  • Charge type: 1st charge
  • Term: 3 years – no exit charges after 2 years
  • Completion time: from 10 days
  • Location of property: England, Wales
  • Offshore trusts accepted
  • Companies based anywhere other than sanctioned countries

5 simple steps to your expat buy-to-let mortgage

short-term buy-to-let mortgage

Step 1: Loan Enquiry & Indicative Terms

To get the ball rolling, you’ll need to make an initial enquiry. Fortunately, we can be reached over the phone, online, or via email. You can also reach out to us through an intermediary such as a mortgage broker. An underwriter will be in touch to gather some initial details, provide an indicative tier, and detail the rate and loan sizes available. We vow to respond to all enquiries within 4 working hours but if you’re living abroad, please remember to take time zones into account.

interest only buy-to-let mortgage

Step 2: Underwrite & Issue DIP

If you’re happy to continue, the underwriter will gather some paperwork from you to move through the process. We, working with our internal Credit Committee, will then issue credit approved terms in the form of Decision in Principle (DIP). We can have the DIP issued within 24 hours, even if you’re an overseas resident.

interest only buy-to-let mortgage

Step 3: Valuation

Once you have signed the DIP, you’ll then need to cover the initial valuation and commitment fees. After this, we’ll instruct the valuers involved to value the property. This will be incorporated into your timescales, with the valuation verifying the DIP’s security details. Again, this can all be wrapped up within a day of fees being cleared.

short-term mortgage for buy-to-let

Step 4: Legal Documentation

We only work with a trusted panel of solicitors, who will then review your deal, issue contracts, and move the case towards the final stages. Throughout this part of the process, you will be kept in the loop. We instruct as quickly as possible, and address any issues as they arise.

interest only buy-to-let mortgage

Step 5: Loan Drawn Down

As everything is wrapped up, the loan will be issued for your buy-to-let investment. We can have capital delivered in as little as a week from your initial enquiry, even if you’re living abroad.

Expat Buy-to-Let Mortgage –

All you need to know:

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