Expat Buy-to-Let Mortgage


tracker & fixed

Term Length:

3 years

Loan amount:

£150k – £10m


up to 75%

Buy-To-Let Expat 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.

  • 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 & fixed rates available
  • No UK footprint required
  • 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

residential buy to let bridging loans

Expat Buy-to-Let Mortgage with an Adaptable Lender

Our expat buy-to-let mortgage is suitable for 2 types of property investors. They are either UK nationals who are living abroad, but still want to invest in the English or Welsh landlord market. Or you are an overseas resident, wanting to invest in property in England or Wales. You will be able to access our buy-to-let mortgages even if you don’t own UK property or do not have a UK credit footprint. Our expat buy-to-let mortgage can be issued to those with foreign income, offshore trusts, who are working for overseas companies and more. So long as you’re not based in a sanctioned country, we could be the right buy-to-let lender for you.

Calculate your Buy-to-Let mortgage

Calculating your loan amount has never been easier or quicker. Use our online buy-to-let mortgage calculator to find out how much you can borrow, how much you need to repay and which of our buy-to-let mortgage tiers is most suitable to you. Get your initial quote, email it to yourself, and get in touch with us to discuss your case further.

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.

Contact Us Buy To Let

Contact Us

Speak to one of our underwiters or BDMs on the phone, via chat or email about your case, however complex it might be. We will try our best to say yes to you, instead of finding a reason to say no.

Chat to our Buy-To-Let Team:

Chat to our Business Development Managers:

Expat Buy-to-Let Mortgage

All you need to know:

Latest Case Studies

We value your feedback

Meet our Associations

Market Financial Solutions MFS Associations NACFB
Market Financial Solutions MFS Associations FIBA
Market Financial Solutions MFS Associations ASTL