Liquid Expat Mortgages

Liquid Expat Mortgages: specialist UK mortgage advice for expats and foreign nationals

Liquid Expat Mortgages is a mortgage broker focused on UK property finance for British expats and foreign nationals. The firm describes itself as a specialist broker for UK expat mortgages, non-UK resident mortgages and foreign national mortgages for property in the United Kingdom. It states that it has been providing UK expat mortgages and remortgages since 2007 and that it is fully approved by the UK's Financial Conduct Authority (FCA) for all types of expat and foreign national mortgage advice.

The broker presents itself as an alternative to high street lenders, which it says often lack expat mortgage options and support structures for expats or foreign nationals seeking finance. Its role is to ensure that an application meets the right criteria and is directed to the appropriate lender, with consultants and a support team guiding clients through the UK mortgage application process.

Mortgage and remortgage options

The website lists a broad range of products and specialisms. On the mortgage side, it covers expat mortgages, buy-to-let, family and residential, first-time buyer, holiday let, mortgage porting and decision in principle. For remortgages, it lists buy-to-let, family and residential, holiday let and refinancing.

Specialist areas include help to buy mortgages, buy-to-let mortgages for overseas landlord portfolios, foreign passport holders, HMO (multiple occupation), interest cover ratio (ICR) and top slicing, joint borrower sole proprietor (JBSP), UK limited company, offset mortgages, property auction finance, remortgage to purchase a UAE property, Sharia compliant alternative, bespoke expat mortgages, consent to let, HMO design and build, high value (£1M+), pilots and aircrew mortgages, private bank mortgages, seafarer mortgages, second charge, self build mortgage finance, self employed and contractor mortgages and SPV share purchase mortgage. The site also includes a section in Chinese for BNO and Hong Kong citizens seeking UK mortgages.

Tools and resources for planning

Liquid Expat Mortgages provides several online calculators: a full capital repayment calculator, an overpayment calculator, an offset mortgage calculator, a stamp duty calculator and a quick mortgage calculator. It also offers a UK expat mortgage calculator that estimates monthly repayments and compares repayment with interest-only, while noting that the tool does not determine how much can be borrowed, as that depends on circumstances and the lender's assessment.

The resources section includes news, a buy-to-let Hong Kong stamp duty blog, case studies, interviews, questions and answers, guides such as a guide to mortgage terms, a limited company guide, SONIA swap rates and UK mortgages, and a UK expat mortgage guide. The site also lists services for bridging finance, wills and inheritance planning for expats, and UK expat property tax support, as well as an external credit check tool.

How the broker describes its service

According to the company, its mortgage consultants are available by phone or email and offer full support with paperwork and documentation. It states that it works with the largest panel of lenders and that many of its lenders offer exclusive products only available through Liquid Expat Mortgages. It also says it has successfully completed thousands of mortgages and remortgages in excess of several billion pounds sterling since 2007, and that its consultants are fully qualified with extensive UK mortgage market knowledge. The firm presents its approach as quick and free of jargon, working around clients' time zones.

The site offers a free consultation to discuss options and identify a possible interest rate with a mortgage adviser. It also allows prospective clients to book a call for later if they are not yet ready to apply.

Contact and availability

The company can be reached by telephone on +44 (0)161 871 1216 or by email at info@liquidexpatmortgages.com. The website indicates that the team is available 24/7 by phone. It also provides a free quote form that requests information about the mortgage or remortgage sought, finance amount, annual income, property location in the UK, contact details, country of residence, employer, nationality and the currency in which the client is paid.