Expat Mortgage News UK

Even if you live abroad, refinancing a property in the UK can help expats free up equity, lower their monthly costs, or even potentially grow their rental property portfolio. However, it also highlights an important and often overlooked aspect of the UK tax system. To plan your taxes and follow the law, you need to […]

If you move to Australia, you can still be a landlord in the UK. If you own a buy-to-let property in the UK, your tax responsibilities change. This can also change the loans you can get and the money you make. If you want to get a UK BTL Mortgage from Australia, it helps to […]

Many Australians still believe that the UK property is a good solid investment. In many cities, there is a lot of demand for rental properties, and the market is very large. As a British expat, you can still get a mortgage if you live in Australia and want to buy a home in the UK. […]

You can certainly secure a mortgage in the UK even if you live in the US. UK mortgage lenders will look at how much money you earn in USD and convert it into GBP. They will make sure that the rental income you expect to receive (for buy-to-let property only) can more than cover the […]

Around 700,000 British citizens live in the US in 2025, however many of them still want to either buy or rent a property in the UK. It’s normal for this to happen, and indeed it is very possible to achieve with via an expatriate mortgage. In the US, you have to follow IRS rules, and […]

Getting a UK mortgage for expats in India can be either a rewarding or life-changing experience. One appealing option is buying property in the UK. However, the process for Mortgage Finance for Expats Based in India is often slowed down by issues that people in the UK don’t usually have to deal with. To be […]

Buying property in the UK is still one of the best ways for many Britons living in New Zealand to build wealth, create long-term stability, and stay in touch with their home country. A UK expat in New Zealand can find property opportunities to invest in properties in England, Scotland, and Wales – they just […]

British expats don’t just buy property in the UK as a hobby – they want to make a better investment for their family and long-term future. This secure investment, along with a good rental income, makes their choice to buy property in the UK even stronger. This is a good idea, but it’s just as […]

You must feel like your friend has reached a big milestone every time they buy property in another country. If you want to buy property abroad, especially in the UK, after seeing your friend, you should know what challenges you might face ahead of time. A lot of expats like you are looking into an […]

It’s not hard to buy a house in the UK, but the process is complicated, especially if you live abroad as a British expat. Your residency status is one of the most important factors that will decide if you can secure a UK mortgage. When looking at expat residential mortgages UK for your application, mortgage […]

Are you an UK expat living abroad and thinking about remortgaging your UK home in 2025? We want to let you know that there have been a lot of changes this year that you need to keep in mind when you remortgage your home. Lenders will look at your application more closely and pay attention […]

After they retire, everyone hopes that they will enjoy their life, spend more time with their family, travel to new places and overall live comfortably. But a lot of retired UK expats want to buy and keep a home in the UK after they retire. But they have to deal with a lot of challenges […]

If you live outside the UK and want to buy property there, you should know that this process is a little tricky. You can’t buy property directly in the UK; first, you have to prove that you make money outside of the UK. You will also have to find the right lenders and they will […]

Getting a mortgage as an expat in the UK means you can invest in quality British property, but there’s a catch that many buyers are unaware of. This is the 5% Stamp Duty Land Tax (SDLT) surcharge. Many expats are shocked to learn about this extra expense and are keen to find out why it […]

If you live abroad and want to buy property in the UK, the process has become a little more challenging recently. This is due to the new Anti-Money Laundering (AML) regulations introduced earlier in 2025. Lenders are now required to carry out AML checks on all mortgage applications in response to a rise in suspicious […]

Getting a mortgage in the UK can be challenging for anyone, but it can be even harder if you’re an expat. Many British expats have been turned down for mortgages despite receiving a steady income or having an excellent credit history. It’s important to understand the main reasons why lenders reject applications for UK expat […]

Are you a British expat living abroad who’s hoping to buy a house in the UK? Perhaps you’re worried that you won’t be legally permitted to because you don’t have a UK credit score? Thankfully, the good news is that you can still get an expat mortgage in the UK even if you don’t have […]

Once the emotional turmoil of losing a loved one eventually subsides and you discover that you’ve inherited your grandparents property, you are likely feel somewhat joyous. You might also be considering putting up more buildings on the land for example. You might want to keep your UK property, so you might plan to rent it […]

If you’ve been looking for an expat mortgage broker in the UK or an expatriate mortgage advisor, it’s likely that you’re planning to buy a home in the UK while living abroad or that you’re earning money in a foreign currency. It’s not always easy, no matter what. There is a lot of noise out […]

In 2025, many British expats are re-evaluating their financial strategies, especially when it comes to efficiently saving on UK taxes. One of the most common questions we receive at Expat Mortgages UK is whether expats can keep their UK ISAs (Individual Savings Accounts) and whether they should do this. What’s right for you will depend […]

The UK property market is still a very popular investment choice amongst British expats who want to grow their wealth while living overseas. With a strong rental demand and long-term capital increase, Buy-to-Let (BTL) homes remain highly sought-after. However, many expats often find themselves asking if they should use a limited company to buy investment […]

When you’re a UK expat, remortgaging your private home upon your return can leave you facing certain challenges. From currency exchange fees to lender regulations and verifying foreign earnings, securing the right mortgage deal as a non-resident can be complicated. However, several important developments have occurred within the UK expat mortgage market in 2025, and […]

Understanding the concept of tax residency is essential for migrants with international finances. Whether you plan to live, invest or purchase property abroad including a country like the UK, it’s important to know the rules around dual tax residency. This knowledge is especially relevant for expats managing overseas income, property investments and mortgage applications. As […]

Arranging a mortgage when you’re living outside the UK can be a bit of a juggling act. In the difficult and unpredictable climate of 2025, lenders are becoming pickier. Not only are they asking for more paperwork, but they’re also assessing overseas income much more closely. If you’re hoping to buy or remortgage a place […]

Many people who are based overseas dream of buying property in the UK and these include expats. Investing in property in the UK can be very lucrative and there’s a chance to make a big profit if you buy a quality home in a good area. You might also want to buy property in the […]

Over the past few years, the way overseas investors from the Gulf purchase property in the UK has changed substantially. More and more British Expats living in the UAE are now looking away from London in favour of Manchester and Birmingham for their property investments. This is down to a few main factors: the market […]

If you’re an overseas property owner in the UK, it’s crucial to learn about the relationship between rental revenue and tax. Mortgage-related tax reduction affects your returns regardless of your nationality, which means this information is relevant to both British expats and foreign investors who are currently living overseas. However, the rules around what you […]

The rising costs of property and the complexity of retirement have led to UK residents living overseas investigating fresh financial solutions. More people are choosing equity release these days, largely thanks to lifetime mortgages. However, can expats in other countries receive pension and retirement benefits paid by the UK? Yes, they can, but the process […]

After spending time overseas, returning to the UK can result in major financial changes. Your UK mortgage rates, loan repayments, and tax obligations may all be affected if you’re returning mid-term from a rental or overseas resident status. Homeowners going through this transition often ask about switching mortgage products and qualifying for standard UK mortgages. […]

Expats frequently encounter obstacles, including foreign income, various tax laws and visa-related constraints. High street banks and other conventional lenders might not be as eager to provide overseas residents with reasonable rates. However, this is where specialist lenders for expat residential mortgage UK fit in. These specialist lenders can assist you in finding the perfect […]

Purchasing property is always a major life decision, even more so if you live abroad. Securing mortgage for expats involves a lot more than simply costs and lenders. Local regulations, income sources and currency factors also significantly influence things. Mortgage calculators can really help as part of this process. Expat buy to let mortgage calculator […]

Navigating the UK property market as an overseas investor or UK expat can be complex, especially when it comes to understanding how taxes like Stamp Duty Land Tax (SDLT) work. Whether you are eyeing up a buy-to-let opportunity or making plans to move back home in the future, knowing how stamp duty works for expats […]

Tailored for expats looking for strategic investment beyond London, featuring local trends and yields. While most people think of UK property investment, London is the obvious choice that springs to mind. However, in recent times, Northern UK cities like Manchester, Leeds, Liverpool, Sheffield and Newcastle have been the top choices for expat investors. They offer […]

It’s not always simple for expats to purchase property, especially when navigating new mortgage markets. Although both Australia and the UK offer mortgage products to expats, requirements, rules, regulations, interest rates and other factors can vary significantly. Expats are frequently subjected to challenges like increased deposit costs, fewer lender options and extra taxes. It’s essential […]

Buying a house in the UK whilst living in the US can be challenging, particularly when it comes to acquiring a mortgage. One of the biggest issues you could face is your credit score. UK lenders look at your domestic credit history when deciding whether to approve a mortgage, but they don’t consider US credit […]

If you’re an UK expat living in Australia, purchasing a property back home in the UK may sound exciting. However, buying a property in the UK often requires lots of research and planning. The legal procedures, rules and regulations for purchasing a property do tend to differ from country to country. For instance, expats who […]

Some UK expats in the USA are concerned about whether investing in buy-to-let property in the UK is sensible. Purchasing UK property while abroad is a good investment plan but comes with its implications. The pros and cons, together with the investment cost, are something one has to understand first before making it happen. Here, […]

Unlock the secrets of expat buy-to-let mortgages and discover how rental income impacts your application! In this informative video, we break down the essential factors that expats need to consider when applying for a buy-to-let mortgage in the UK. Learn how rental income can strengthen your application, the importance of having a solid rental strategy, […]

Acquiring an expat mortgage in the UK can take time and much effort, as the chances of getting one are not always highly favourable to borrowers. However, with proper planning and strategy to improve your eligibility before you apply, applications for expat mortgages UK can yield great results. An expat mortgage is a mortgage designed […]

Investing in UK property as an expat may still be prudent, but selecting the appropriate location is crucial for achieving high rental yields along with ideally a long-term increase in the property’s capital value. The quandary of whether or not to concentrate their buy-to-let assets in London is very common for many expat investors, who […]

Understanding the Role of Rental Income in a Buy-to-Let Mortgage Application Rental income is important when applying for an Expat Buy to Let mortgage in the UK. The lenders will assess whether the rental income expected from the property will cover the mortgage costs and all other associated costs. Understanding how rental income affects your […]

Are you an expat who would love to own property in the UK? You’re not alone. The UK housing market is a popular investment for many expats and foreign nationals due to the historical strong returns it provides. If you’re moving to the UK for work, investing, or planning on returning at some point in […]

UK property investment is a good business for expatriates as the demand for rental properties is increasing. But it is hard to get an expat mortgage UK buy to let because of strict lending criteria. The lenders have to check many things before allowing the buy-to-let mortgage for expats so that the applicant satisfies the […]

Introduction Brexit has brought far-reaching changes for British expats in various aspects of financial planning, including the market for property and mortgage availability. Now that the UK is officially out of the European Union, expatriates have new pressures on how to find an expat residential mortgage UK. The implementation of the UK’s regulatory frameworks, lender […]

It can be a challenging procedure for a foreign national looking to obtain a mortgage in the UK. Since it might be difficult to establish foreign income and even creditworthiness, most high-street banks are unlikely to lend to foreigners. In fact, with the right documentation and under the guidance of an expat mortgage advisor, securing […]

When you think about investment and creating an asset for you and your family, what comes to your mind first? Yes, you said it right. The answer is ‘Property’. Property has been among the best investments for ages to generate income and build wealth. When it comes to property investment, the UK is a favourite […]

The UK property market offers unique opportunities and challenges for expats looking to invest or settle in the country. With diverse regional trends and a dynamic economic landscape, understanding the market is crucial for making informed decisions. Expats can benefit from researching property prices, market conditions, and local demand before entering the UK housing market. […]

Expats seeking UK mortgages often worry about their credit history. Many think a strong UK credit score is needed to get a good deal. But expat lenders don’t always require a UK credit history for mortgage approval. The UK mortgage market has special products for expats. These mortgages look at the full picture of an […]

Buying property in the UK as an expat can be tricky. Many lenders have strict rules for non-residents, making it hard to get a good deal. That’s where expat mortgage brokers come in handy. These specialists know the ins and outs of getting UK mortgages for people living abroad. Expat mortgage brokers can often find […]

Buying property in the UK from the USA can be an exciting venture, but it comes with unique challenges. One of the biggest hurdles is dealing with currency exchange. The UK property market operates in pounds sterling, while American buyers typically hold US dollars. This difference exposes investors to exchange rate risks that can impact […]

Buying property in Australia as a UK citizen living abroad can be an exciting yet complex process. The Australian real estate market offers unique opportunities, but it’s crucial to understand the rules and requirements. Non-resident buyers face extra steps and fees compared to Australian citizens or permanent residents. UK citizens looking to purchase their first […]

Moving to the UK as an American expat brings exciting opportunities and unique financial challenges. Managing investments across two countries requires careful planning to make the most of your money. UK tax laws and investment options differ significantly from those in the USA, creating potential pitfalls for the unwary. US expats in the UK can […]

British expats living in Australia often dream of owning property back home in the UK. While this can be a smart investment, securing a mortgage from abroad can be tricky. Many UK banks view expats as higher-risk borrowers, making the process more complex than for UK residents. Despite the challenges, it’s possible for Aussie-based Brits […]

The UK property market continues to evolve, presenting both opportunities and challenges for Australian expats. Recent trends show increased office take-up and rising investment volumes across the country. For Australians considering a UK property purchase, buying a primary residence rather than an investment property may be a smart move. Energy prices and the cost of […]

The UK property market offers exciting opportunities for expats looking to invest. Cities across the country are attracting international buyers with their strong economic growth, cultural appeal, and promising returns. Birmingham, Manchester, Leeds, Sheffield, and Edinburgh stand out as top choices for expat property investment in 2025. These cities boast growing populations, thriving job markets, […]

Buying property in the UK can be an exciting opportunity for USA residents looking to invest abroad or relocate. The UK housing market offers attractive rental yields and potential for property appreciation. USA residents have several mortgage options available when purchasing property in the UK, including international banks, UK lenders, and specialist mortgage brokers. One […]

Moving to the UK from Australia can be exciting, but it may also bring financial challenges. One common issue is applying for a mortgage without a UK credit history. Fortunately, some banks are now making it easier for newcomers to use their Australian credit records. HSBC UK has recently introduced a system that allows international […]

Buying property in the UK from Australia can be an exciting venture, but it comes with unique challenges. One of the biggest hurdles is dealing with currency exchange rates. The value of the Australian dollar compared to the British pound can change quickly, affecting the cost of your UK property purchase. Smart currency management can […]

Many expats dream of owning property in the UK. This goal can serve as a smart investment, provide a place to stay during visits, or secure future living arrangements. With careful financial planning, expats can turn this dream into reality. Saving for a UK property purchase requires a clear strategy. Expats should aim to save […]

UK expats living in the USA often wonder if they can secure a mortgage for property back home. The good news is that it’s possible, but there are some key factors to consider. UK lenders typically offer mortgages of 3.5 to 6 times the total annual income for expats. This means that even while living […]

Expats face unique challenges when choosing a mortgage. The decision between fixed and variable rate mortgages can be tricky. Each option has its own set of advantages and drawbacks. Fixed-rate mortgages offer stability. Your monthly payments stay the same for the entire term. This makes budgeting easier, especially when living abroad. A fixed rate protects […]

Getting a mortgage in the UK as a US citizen can be tricky. The UK property market has its own rules and requirements for foreign buyers. Many US citizens want to buy homes or invest in UK real estate, but they need to understand the process. Foreign national mortgages in the UK are available, but […]

Buying property in the UK as an Australian resident can be an exciting opportunity. Many Aussies look to invest in British real estate or secure a home for future plans. While it’s possible to get a UK mortgage as an Australian, there are some key things to know. UK lenders have special rules for foreign […]

The UK property market continues to attract expat investors seeking lucrative opportunities. Cities across the nation offer a range of options for those looking to expand their portfolios and secure their financial future. Top UK cities for expat property investment include Manchester, Liverpool, and Leeds. These urban centres boast strong rental yields, growing populations, and […]

Australian residents looking to invest in UK property face unique tax considerations. Both countries have specific rules that can impact the financial outcomes of such investments. Australian residents must navigate tax obligations in both nations when buying, holding, and selling UK property. Investing in UK property can offer potential benefits for Australians, such as portfolio […]

Brexit has reshaped the landscape for British expats owning property or seeking mortgages in the European Union. The UK’s departure from the EU brought significant changes to residency rules and financial regulations. British second home owners in EU countries now face restrictions, limiting their stays to 90 days out of every 180-day period. These new […]

Moving abroad can be exciting, but it often comes with financial challenges. Many expats dream of owning property in the UK, whether for personal use or as an investment. Yet, getting a mortgage as an expat isn’t always straightforward, there are many challenges expats face when applying for a UK mortgage. Expats face unique hurdles […]

This video details the Benefits to both Expats and Foreign Nationals of investing in the UK Property Market. Did you know that UK Property Values have Increased by an AVERAGE of 5% per Year over the last Decade? High Rental Yields are another Major Benefit, providing a steady stream of Income. The average Return on […]

This video explains the challenges faced by many Expats and Foreign Nationals when seeking to secure a mortgage on a UK property. The High Street Banks don’t usually lend to Expats and Foreign Nationals as there a far too many variables, such as foreign income, currencies, visas etc which they just aren’t used to dealing […]

A Straightforward Guide for Newcomers Moving to the UK as an expat brings many challenges, including the task of establishing a credit history. Your existing credit score doesn’t travel with you across borders, so you’ll need to start fresh. You cannot transfer your credit history directly to the UK, but you can take steps to […]

Navigating the legal aspects of buying property in the UK can be a complex task, especially for expats who are new to the market. Understanding the differences between leasehold and freehold properties is crucial for making informed decisions. Expats need to be aware that each lender has different rules for non-permanent residents. It’s essential to […]

Navigating currency exchange and international payments can be daunting for those looking to purchase property abroad from the UK. Securing a forward contract allows buyers to lock in a favourable exchange rate, making the budgeting process smoother and avoiding market volatility. This is essential for anyone concerned about fluctuating currency rates impacting their overall budget. […]

Essential Tips for Overseas Homebuyers Getting a mortgage as an expat can be tricky, but it’s not impossible. Many UK lenders offer mortgages to British citizens living abroad or those who have recently returned to the country. These loans are often called expat mortgages and are designed for people who want to buy property in […]

Navigating the world of UK mortgages as an expat can be a complex journey. With growing demand for property investments from those living abroad, understanding your options is essential for making informed decisions. The most important step is knowing that UK mortgage options for expats hinge largely on the amount of deposit you can provide […]

A Comprehensive Guide Buying property in the UK with an Expat Mortgage can be a rewarding experience for expats, but it requires careful planning and knowledge of the market. The UK property market is diverse, with prices varying significantly between regions and property types. Detached houses in some areas can cost as much as £458,066, […]

Essential Steps and Considerations Securing a mortgage in the UK as an expat can seem daunting, but it is entirely possible with the right knowledge and preparation. Working with a specialist mortgage broker who understands expat needs is crucial. They can help navigate the complexities and find lenders willing to work with individuals living abroad. […]

Are you currently living in Dubai and considering buying a property in the UK? Seeking a UK mortgage can be a daunting task, especially as an expat. There are many factors to consider, such as currency exchange rates, international credit history, and eligibility criteria. That’s where a specialised expat mortgage broker can make all the […]

The UK property market remains a highly appealing destination for expats and foreign nationals seeking to invest or establish a new home. The United Kingdom has plenty of diverse cities, a thriving economy, and an appealing cultural heritage, the country offers a unique blend of investment potential and lifestyle appeal. This attractive combination presents plenty […]

This week’s spring budget revealed that the current non-dom rules would be changed, so how could this affect people investing in UK property? Contact us today to discuss Expat Mortgages and how we can assist you. In Chancellor Jeremy Hunt’s spring budget, announced on Wednesday this week, one of the big changes he revealed was in the […]

With another excellent year ahead for UK expat buy-to-let property investment, the North of the UK stands to perform best in 2024. Contact us today to discuss Expat Mortgages and how we can assist you. 2024 looks to be another great year for UK expat and foreign national investors to buy UK buy-to-let properties. Discover our Expat Mortgage […]

UK house prices rose 2.5% in the year to January, recording the biggest increase since January last year, as lower mortgage rates and fading inflationary pressures led to increased buyer and seller confidence, Halifax has said. Contact us today to discuss Expat Mortgages and how we can assist you. January marked the fourth consecutive monthly rise, with […]

The UK property market has long been a hub for both domestic and international investors, characterized by its resilience and dynamic nature. Recently, a significant development has emerged in the form of mortgage rate cuts, particularly notable with HSBC’s decision to offer rates partly under 4% for the first time since the TRUSS mini budget. […]

Offshoreonline, an online mortgage adviser for expatriates, has observed a significant upswing in expat mortgage enquiries, attributing this to the Bank of England’s decision to hold the UK Base Rate steady in November. Contact us today to discuss Expat Mortgages and how we can assist you. At the same time, a straw poll of estate agents conducted […]

UK Housing Market Ripe for Overseas Buy-to-Let Investment With good-value property prices and rental growth exceeding wage growth, UK houses are attracting huge interest from overseas investors. Read on for more information on how this affects buy-to-let property markets in the UK. How Many Chinese Investors Want to Buy UK Property? Chinese investors are getting […]

As we move into the colder months in the UK, energy efficiency starts to become a bigger consideration for tenants. This is not an insignificant consideration, with many tenants still concerned about the rising cost of energy, in addition to high inflation and the rising cost of living more generally. ‘A low energy efficiency rating […]

According to law firm Irwin Mitchell’s latest FDI (Foreign Direct Investment) report, the North West property sector is primed to see significant investment from overseas buyers. Irwin Mitchell has compiled the summer 2023 report in collaboration with leading economic consultancy Cebr. It offers foreign investment analysis and ‘on the ground’ commentary on the UK’s largest […]

Interest rates have dominated the headlines in 2023. As inflation remains sticky and well above its 2 per cent target, the Bank of England’s monetary policy committee has voted on 14 consecutive occasions to hike the base rate. The impact on mortgage customers has garnered a great deal of political and media interest. Understandably, the […]

Overseas buyer appetite for London’s housing market is set to climb this year despite the mortgage crisis, offering a boost to prices as figures revealed the estimated value of foreign-owned homes in the capital stands at £55.2 billion. There are 103,425 homes in the capital, including houses and flats, that are currently registered with an […]

What’s Happening to Mortgage Rates? Mortgage rates are on the rise again, with the Bank of England continuing to increase interest rates to combat high inflation. The Bank of England’s base interest rate is now at 5%. The future outlook does not look to bright either, with analysts now predicting that interest rates will peak […]

THE downturn in house prices is likely to lead to a fall in demand from foreign buyers in the UK property market, a leading expert has predicted.New data revealed earlier this month revealed that more than 70 per cent of ‘prime central London’ properties sold so far this year have been bought entirely in cash.The […]

House hunters from Hong Kong have been found to be the most prolific overseas buyers operating in the nation’s residential market, accounting for over 13% of all foreign-owned homes in England and Wales, according to newly released market analysis. London lettings and estate agent, Benham and Reeves, submitted a Freedom of Information request to the […]

A growing number of UK homeowners working overseas are finding themselves grappling with skyrocketing mortgage rates when renting out their properties, the Financial Times reports. The newspaper says that these individuals are often required by lenders to switch from standard residential loans to ‘consumer buy-to-let mortgages’ – usually at higher interest rates. In recent months, […]

Volumes are up and interest rates stable in the UK housing market UK-based buy-to-let mortgage broker Offshoreonline has reported its best figures for expat mortgage enquiries in March 2023 since before the pandemic. In fact, volumes are now equalling pre-pandemic levels. “In a very short space of time, the main structural issue with the UK […]

Landlords enjoyed record-breaking rental growth last year, boosting yields and putting the property market on the radar of investors looking to diversify their portfolio. But investing in the buy-to-let sector has become increasingly fraught with regulatory pitfalls and higher borrowing costs thanks to inflated interest rates. The sector has been losing more investors than it […]

Huge Rise in the Number of Rental Households.With fewer young people buying a home, the number of privately rented households has grown by 1.12 million or 29% in the last decade. This is compared to only a 6% increase in the number of households generally. Clearly then, there is a disproportionate rise in the number […]

The war in Ukraine and the mini-budget of former Prime Minister Liz Truss last year had caused a jump in interest rates which left domestic buyers struggling. The property market in the United Kingdom is becoming increasingly attractive for foreign buyers, but it is widening the divide between richer homeowners and high-interest mortgage holders. The […]

The cost of maintaining a monthly buy-to-let mortgage interest payment has climbed by 75.7% in the last year, with those making a full mortgage repayment each month seeing an increase of 31.6%, according to new research from Octane Capital. Octane Capital analysed the current cost of the average buy-to-let mortgage and how this monthly repayment […]

Despite house prices climbing considerably over the last year, buyers from overseas currently looking for UK property are saving huge sums due to the weaker pound with discounts as high as £40,000. The latest research by lettings and estate agent, Benham and Reeves, looked at current property market values and how they compare to this […]

Suffolk Building Society has announced a series of product and criteria changes to help brokers place more complex cases for their landlord and expat clients. Expats and non-UK nationals Suffolk Building Society will accept applications from first-time buyer expat landlords who are working and residing abroad and who have not owned a property before but […]

A four-day working week is a good idea in theory, but not really compatible with the workload of a typical mortgage broker, according to intermediaries. Last week saw the publication of the results of a trial into a four-day week, with the majority of firms stating that not only had it improved performance but that […]

Even though the UK is now seeing the steepest slump in property prices since the 2008 financial crisis, London’s luxury residences are managing to defy Britain’s housing market downturn, reported The Business Times. Fifteen homes in Central London valued at £5 million or higher were registered as sold in the fourth quarter of 2022—which is […]

Following a turbulent 2022, it is reassuring that an upward turn is already being evidenced this year, with many indications that we are getting back on track. But what of international interest in UK property? The good news is that current market conditions mean there’s a lot to be optimistic about on that front, too. […]

The UK government should double the stamp duty surcharge overseas buyers must pay when purchasing a property in England, an industry lobby group has said. The National Association of Property Buyers (NAPB) said doubling the stamp duty surcharge would “level the playing field” amid an influx of “wealthy foreign buyers”. Under current rules, overseas buyers […]

A shortage of rental homes and huge numbers of renters in the market are combining to create the perfect rental storm for UK Expat Investors. The ‘Perfect Rental Storm’ continues for UK expat and foreign national investors in 2023 as a shortage of rental homes combine with huge numbers in the rental market to make […]

One Global Group predicts that the United Kingdom (UK) will experience a return to the buyer’s market in the coming year and that demand from Malaysia and other international markets will increase even more. The company is optimistic about 2023 since the year’s market circumstances would be perfect for foreign purchasers wishing to buy a […]

A property tax consultant has hit back at suggestions of a housing market crash, suggesting that overseas investors will help sustain growth. David Hannah, group chairman at Cornerstone Tax, has predicted that price growth will slow but said he is confident that it won’t turn negative. It comes as a survey of 2,000 people by […]

The government is urging all overseas entities who own property in the UK to register at Companies House. The Register of Overseas Entities came into force in August this year and requires all entities in scope to register with Companies House before the deadline of January 31 2023. The registration process involved them declaring the […]

Carter Jonas predicts that 2023 will be an exceptional year for the prime central London (PCL) market following a recent spike in the number of cash buyers registering to purchase property in the heart of the capital. Most recently, the Marylebone and Mayfair office has seen all cash buyers, many of whom are dollar buyers […]

There are increasing numbers of Hong Kong residents who are looking to buy UK property. This is largely as a result of the evolving political situation in Hong Kong. Many Hong Kongers seeking UK property are taking advantage of the UK’s visa scheme for BNO passport holders, which was introduced in 2021. The visa programme […]

When the mini-budget tanked the pound to record lows against the dollar, overseas buyers again began circling UK property in increasing numbers. While many overseas investors are better off when buying UK property compared to the start of 2022, the same is not true for domestic buyers who are contending with a number of difficulties […]

Demand in London property from foreign investors is at “new levels” as they rush to make the most of the weaker pound. The pound steadied in early trading in Asian markets on Tuesday, recovering ground slightly from the record low of 1.0327 against the dollar on Monday morning. Sterling was standing at around $1.08 early […]

Sterling’s weakness could boost overseas investment in a “resilient” Scottish commercial property market, industry experts believe. Property consultancy Knight Frank found that investment volumes in commercial property north of the Border rose by 37 per cent during the first nine months of 2022 compared to the same period last year, increasing to £1.46 billion from […]

UK housebuilders rallied on Wednesday following a report that Friday’s mini-budget could include a plan to cut stamp duty. According to The Times, prime minister Liz Truss will announce the move in the mini-budget in an attempt to drive economic growth. It was understood the PM and chancellor Kwasi Kwarteng have been working on the […]

The BoE said CHAPS will be closed on 19th September, in line with its normal bank holiday arrangements. CHAPS handled around 174,000 payments each day, in the year to February 2021, with an average payment value of £2.1m. That works out at around £367bn each working day. Contact us today to discuss Expat Mortgages and how we […]

One lettings agency in London says that tenant demand is so great in the capital for rental properties that many homes are being let within minutes of becoming available. Benham and Reeves point to demand created by the return of professionals and international students, along with the growing shortage of available properties to rent, for […]

Savills has released a revised five-year forecast for the UK’s prime housing markets, reflecting strong levels of activity in prime central London and prime regional markets, but also a backdrop of international and domestic uncertainty. While the shape of recovery remains broadly as previously forecast in November 2021, the long-awaited bounce in values in prime […]

Despite measures and additional taxation to curb overseas investors in UK property, the asset class still holds great allure for a number of reasons. On 1 August 2022, a new register of overseas entities was launched in the UK. This means anyone investing in or acquiring property in the UK from abroad will need to […]

I have been having flashbacks. Not the kind I used to have, of when I went hiking in Yosemite National Park without a map and ended up sliding down a bear-infested trail on my backside in the dark. No, these flashbacks relate to a time in my more recent life, and an ill-fated conversation with […]

The UK property market continues its upward trajectory as recent data from Halifax shows that the average house price now stands at £294,845, which represents a 6.8% rise, or £18,849 since the start of the year. Supply-demand imbalance continues to be the main contributor to the rising prices. With inflation in the UK rising to […]

Scottish commercial property enjoyed its best first half of the year for investment volumes since 2018 as the market continued its recovery from the Covid-19 pandemic, according to new analysis from Knight Frank. The independent commercial property consultancy found that £1.2 billion of commercial property deals were agreed between January and June 2022, up 54% […]

Overseas nationals own almost 250,000 homes across England and Wales, the latest research by London lettings and estate agents Benham and Reeves shows. In the current market, that is £90.7bn worth of property, suggesting that the UK remains a safe haven for foreign homeowners. On a regional basis, London is home to the highest value […]

The UK expat buy-to-let market creates a busy news cycle. Liquid Expat Mortgages will often pick the most important headlines to break down. The continued activity in the UK expat buy-to-let mortgage market is partly due to increased interest coming from Hong Kong as the political situation continues to evolve there. Despite the rises in […]

The past two years of economic uncertainty, induced by the global pandemic, have impeded strong performances across most industries. Certainly, all will be glad to see the back of the restrictions and lockdowns that strained growth as businesses seek to recover. Yet, amongst the volatility, the UK property market once again flourished, highlighting the sector’s […]

‘Visa’ was the most searched term by brokers in April, shows data provided by Legal & General’s SmartrCriteria tool. This is the second month in a row that Visa has topped this chart, with search volumes falling by only 4% on a monthly basis. Visa was also the most searched term overall in 2021 and […]

London’s millionaire mansions are set for ‘a long overdue recovery’ in house price growth, agents have predicted. A report by real estate advisory company, London Central Portfolio, has indicated the prime central London residential market has continued to witness positive signs over the past three months. This is despite the uncertainties caused by the Omicron […]

UK property has long been seen as a stable store of value, providing attractive yields in a politically stable environment. Foreign ownership of properties in England and Wales has trebled since 2010 to around 250,000, with 8,500 properties purchased in 2021 according to the Centre for Public Data. This demonstrates the continuing attraction of UK […]

Hong Kong developers are increasing their investments in London, betting on higher yields as more Hongkongers head to the UK under the British National (Overseas) visa scheme. There has been a surge of Hong Kong money going into the UK’s property markets in the last two years, according to Kino Law, chief executive officer and […]

Brokers have reported an increase in expat mortgage enquiries over the past few months as borders reopen and Covid restrictions are rolled back, with expectations for the market will grow more in the near future. Anthony Rose, co-chief executive of LDNfinance said it had seen a “healthy increase” in expat mortgage enquiries, and said when […]

There have been a lot of new factors that have impacted the UK property market in recent years, from Brexit and tax changes to the ongoing consequences of the COVID-19 pandemic. For Expats and Foreign Property Investors, the UK still presents some profitable investment opportunities, as long as you are able to find the right […]

Global investors, including those emigrating from Hong Kong, are flocking back to London’s prime areas to snap up properties as the world gradually moves on to living with Covid-19. Several districts in London are recording higher property sales in recent months, according to real estate agents as workers return to their offices amid easier travel […]

Wealthy Chinese investors have long been reliable investors in the market, and have frequently looked to the UK, specifically London, as a stable and reliable point for investment. Twice as many homes were sold in Central London for more than £15 million in 2021 as in 2020, the latest figures revealed, and it is anticipated […]

Buyers from overseas continue to seek UK property investments, and obtaining an expat mortgage is no longer the barrier it once was. British citizens who do not reside in the UK have been increasingly seeking loans to purchase property here, according to Dudley Building Society. As a result, the lender has enhanced its expat mortgage […]

The return of overseas buyers means expensive central London houses should lead the British property market next year when it comes to price growth, according to estate agent Winkworth. Prime London real estate suffered during the pandemic as overseas buyers fled and some Londoners moved out of the capital. But international buyers are now returning, […]

With increasing numbers of overseas buyers looking toward UK property, we look at the reasons for this rise and where to look. Increasingly, UK expats and foreign nationals have been looking towards UK property for investment purposes. Those living and working in the US, Canada and the Far East are facing strong investment prospects, emboldened […]

There is a new wave of overseas investors looking to buy into the UK rental market. We are seeing an emerging trend of moderately wealthy individuals who are looking for a relatively safe place to invest with a strong currency. These are not the Pandoras Papers billionaires looking to hide cash in premium property, these […]

Wealthy overseas investors are still honing in on the UK property market as a key investment location, with Hong Kong buyers leading the trend. Property investors based abroad are continuing to see the benefits of the UK housing market as a “safe haven“. New data based on HM Land Registry statistics shows that foreign ownership […]

Since the first UK national lockdown in March 2019, the presence of overseas buyers in the London market has been severely impacted, however, with the return of international travel, demand is returning to pre-pandemic levels, where two-bedroom apartments are proving most popular. According to research by London buying agency Astute Property Search, overseas buyers are […]

A sudden spike in interest in the prime central London property market is being reported by a leading high-end developer, which has seen a dramatic uplift in sales at its showcase luxury development in the UK capital. Trends that unfolded during the pandemic have seemingly shifted into reverse with the centre of the city re-emerging […]

A lettings agency with links to Saudi Arabian investors has produced a case study of how faith is returning to the long term lettings sector after the worries of the pandemic. London and Manchester agency Orlando Reid cites one Saudi Arabian client, for whom they manage 26 properties in apartment blocks located in Belgravia and […]

After last year’s depressed city centre rental market, city centre rents are steadily rising again. This trend is of particular interest to new UK expat buy-to-let investors, who are now starting to see the value to be had from city centre investments, whether off-plan or on a resale property. Contact us today to discuss Expat Mortgages and […]

A forecast made on Tuesday by estate agents Knight Frank suggests that property prices in prime outer London will grow by nearly 4 per cent over the rest of 2021, double the rate of prices in prime central London. This trend is partly driven by the return of overseas buyers to the London property scene […]

In the search for higher returns, UK expat buy-to-let investors need to look beyond the capital to offset the impact of profit-eroding legislation. Buy-to-let UK property has long been seen as a lucrative investment, often used to provide an inheritance for the investor’s children, as a pension alternative, or as an ancillary form of income. […]

Interest from China in the UK property is bouncing back, according to experts on the Chinese buying market in Britain. Domenica Di Lieto, chief executive of Chinese planning and marketing consultancy, Emerging Communications, says a new round of restrictions designed to cool down China’s housing market is leading to growing interest in UK residential property […]

There has been a significant surge in the number of overseas buyers and tenants expressing interest in UK property, the latest figures from property agent Knight Frank show. So, why is demand for property rising among foreign buyers and tenants? And what implications could this have for the UK property market? Let’s take a look. […]

More overseas investors could be poised to enter the UK property market following the disruption caused by the coronavirus pandemic, figures from an estate agent suggest. Knight Frank said its web traffic data showed nearly a quarter (24%) of users looking at sales and lettings properties in August were based abroad. This was the highest […]

For years, overseas property investors have concentrated mainly on the London property market. However, this is beginning to change. Indeed, Hong Kong and Saudi Arabia investors saw the potential in the regional markets outside London and have taken advantage of excellent price gains since 2020. For the last 30 years, overseas property investors have pumped […]

Overseas investors ranked the UK as the best residential property investment hotspot for 2021. What makes investing in UK property so appealing? For a number of years, the UK property market has been a prime target for overseas investors, and this has continued at strong levels. Property investors from Asia, Europe and the US have […]

Overseas investors significantly contributed to a sharp rise in investment in Scottish commercial property in the first half, according to analysis from Knight Frank. There was a 35% surge in deals to £688 million in the six months to the end of June, against £510m in the same period of 2020 – the height of […]

Introduction As of 2019, people born outside of the UK – typically referred to as expatriates or expats – made up around 14% of the UK’s residents. That adds up to just under 10 million people. Now, all of these people need somewhere to live, so there is a lot of movement in the UK […]

British homeowners are not the only ones feeling left out of London after a year of sharply rising house prices. Overseas investors from Saudi Arabia to Hong Kong were placing ever-increasing bets on the British regions, building houses there and making huge profits. For three decades, overseas money flowed mainly into the capital, attracted by […]

A “WALL” of overseas investment is continuing to target Scotland’s “best long-income assets”, according to a report which underlines the recovery of the commercial property sector. The volume of commercial property transactions jumped by 71 per cent in the second quarter versus the quarter before, with £300 million of deals traded. While activity is still […]

There has been significant increase in the number of people from Hong Kong purchasing homes in the capital since the UK government announced a new visa welcoming residents from the former British colony, earlier this year. According to new figures from Chestertons, which has 31 branches across London, sales enquiries from Hong Kong buyers have […]

Buyers from the Middle East are playing a more active role in the UK property market, snapping up 16 per cent of all real estate by volume sold to overseas buyers in the first three months of this year, according to property consultancy Knight Frank. The proportion of properties bought by Middle Eastern investors was […]

Mortgage brokers, banks and property market professionals have reported rising interest from foreign buyers and expats looking to snap up homes here in the UK. UK nationals living or working abroad and foreign investors from the US, Canada and East Asian countries are cashing on a weaker pound, a price slump in London’s new-build market […]

Investors from the Middle East are beginning to return to the UK’s property market, according to the latest data compiled by global property consultancy Knight Frank. The firm’s data highlights that 16 per cent of all sales to overseas buyers in the first three months of 2021 were to Middle Eastern buyers, up from less […]

The stamp duty holiday – which began in July last year and will continue in its current format until the end of June, before applying to lower-priced properties until September 30 2021 – triggered significant activity last year among Chinese residential buyers in the UK. Such activity has continued through into this year, with Chinese […]

Hongkongers are among the keenest buyers of homes that have been owned or rented by Hollywood actors, pop stars and tycoons, seeing them as a sound investment whose resale value is likely to be boosted by their celebrity associations, according to a London-based luxury property agency. “Hong Kong and mainland Chinese buyers love buying prestigious […]

If the latest figures highlighting the number of overseas landlords owning property in the UK is anything to go by then Brexit hasn’t deterred investment in the UK property market. According to the most recent data, the figure stands at a five-year high of 184,000 – marking an increase of 19% over five years, when […]

Chinese investment in UK assets like businesses, infrastructure and property has reached an estimated £135bn – almost double what was previously thought. About £44bn of this investment has come from state-owned firms, with many of the purchases happening over the past two years. An investigation from the Sunday Times found that Chinese and Hong Kong […]

An increase of 19% will now see the number of overseas landlords hit a five-year high of 184,000. Despite the implications of Brexit, the COVID-19 pandemic and recent tax changes preventing such moves from happening in the first place, the UK property market has thrived. And, these factors have not been a deterrent for foreign […]

UK property has long been a ‘safe haven’ for overseas investors, with the market’s robust performance throughout the pandemic highlighting its resilience as an investment asset. Driven by the Stamp Duty holiday, this generous discount has not only benefited UK buyers but acted as an additional incentive for overseas investors. With this in mind, it […]

Despite economic uncertainty, overseas investors continue to flock to UK property for investment. In recent years, the property market has performed particularly strongly. The number of overseas landlords owning property in the UK has reached a five-year high. There are currently 184,000 overseas landlords. This is a 19% rise over the past five years, according […]

Brexit has not put overseas property investors off investing in UK property, London property agent ludlowthompson has reported. In fact the number of overseas landlords owning UK property has hit a five-year high, said the firm. At 184,000, the number represents a 19 per cent increase over five years. Many overseas investors made the most […]

On 31st January, millions of Hong Kong residents were offered a new route to move to Britain. Already 5,000 have signed up for a visa that allows them to settle in the UK, with some estimating as many as two million may eventually move here. For London’s property market, which has had a tough few […]

Investment in UK property by overseas landlords has hit a five-year high, according to property management company, ludlowthompson. Data shows that 184,000 overseas nationals own property in Britain, representing a 19% increase over the past five years. The property management company stated that the rise in the number of foreign buyers shows that Brexit has […]

Non-UK residents are now required to pay a 2% Stamp Duty Land Tax (SDLT) surcharge, but demand in Central London is unlikely to dampen. UK resident companies that are controlled by non-UK residents may be required to pay, and the surcharge applies to freehold and leasehold purchases and on rents on the grant of a […]

Industry experts are predicting that overseas buyers will be rushing to invest in UK property in summer 2021, once international restrictions are eased. Summary: International buyers have still got a strong appetite for investment properties in the UK. Buyers from the Middle East and Hong Kong are leading the pack. UK property market remains buoyant […]

The number of overseas landlords owning property in the UK has hit a five-year high of 184,000, marking an increase of 19% over five years. Ludlowthompson says that the rise in the number of overseas landlords shows that Brexit has not been a deterrent for those looking to invest in UK property, as many overseas […]

A Chinese businessman has snapped up a high-end residential complex in Hull in the latest example of foreign investment in the city. Anchor House has been sold by Hull property company, Westfield Homebuyers, the multi-million-pound deal being handled by city legal firm, James Legal. Westfield founder Mike Clayton purchased the iconic property, in Anlaby Road, […]

It is not all doom and gloom for UK nationals living in Cyprus. Realizing the significant contribution of the vibrant UK nationals’ community, both to the economy and society, the Cyprus government has tried to accommodate the all-important British expat community as best it can. Despite what may appear in the press or social media […]

There are reasons to be optimistic over property investment in 2021 and the UK market moving forward, according to Paresh Raja. It’s safe to say that there will seldom be another year like 2020. It seemed like there was be no end to the unprecedented developments that caught businesses, consumers, and investors completely off guard. […]

Purchasing an overseas property can be daunting and complicated at the best of times, and this is even more so the case with the economic and travel uncertainty caused by the ongoing global pandemic. According to the research team at online letting agency Mashroom, choosing the right location is the best place to start for […]

There has been a significant increase in the number of people from Hong Kong buying property in the UK, estate agents report. Research shows that Hong Kongers became the fifth largest foreign investors in central London as of last August and have been driving up prices in some popular districts outside the capital. Some people […]

Hong Kong residents are buying more houses and apartments to lease out for income in Britain, property agents say, a trend that coincides with what many expect to be a wave of emigration after China passed a national security law last year. Hong Kongers became the fifth largest foreign investors in central London as of […]

Many UK expats and foreign nationals are still looking to invest in UK property. And this is not surprising with the UK rental market predicted to keep growing. Despite the turbulent times and the impending closure of the UK’s stamp duty holiday, UK expat mortgages and foreign national mortgages are still available for those looking […]

With UK house prices at their highest since 2017, we look at where this growth is most concentrated and what it means for UK expats looking to invest. According to Zoopla, one of the world’s leading property portals, UK house prices are nearing their highest levels in four years – an average of £223,700. As […]

The share of overseas investors in the UK commercial property market reached its highest ever level in 2020, accounting for 50 per cent of the GBP44 billion total for the year. December saw investment into the UK commercial property market reach GBP6.7 billion, more than 80 per cent above the 2020 monthly average. The industrial […]

With Hong Kong residents with BNO status able to apply for a new British visa from January 31st, will this correlate with an increase in demand for UK homes? From 5pm local time on Sunday 31st January, Hong Kong citizens with British National Overseas (BNO) status can apply online for the new UK visa scheme […]

Overseas investors ranked the UK as the best residential property investment hotspot for 2021. What makes investing in UK property so appealing? For a number of years, the UK property market has been a prime target for overseas investors, and this has continued at strong levels. Property investors from Asia, Europe and the US have […]

Overseas property buyers could look to get a bargain this year, owing to potential savings caused by the pandemic and Brexit, said Fabrik Invest. Investors are expected to mainly come from the Middle East, Hong Kong and South Africa. Dale Anderson, managing director, Fabrik Invest, said: “The UK remains a promising and active market for […]

Generally, the UK is considered to be a very good place for Property Investors seeking buy to let properties, but changes to regulations and the property market can affect whether it is the right time to buy UK property. Covid-19 and Brexit have had a big impact on the UK economy and the property market, so […]

Some 31% of overseas investors said that real estate and construction would drive UK growth in the future, up from 10% in 2019 – the highest increase of any sector. Real estate and construction is now in the top-three most attractive sectors, behind only digital (seen as driving future UK growth by 50%) and health […]

The London boroughs of Westminster, Kensington & Chelsea and Camden are some of the most popular with foreign owners. Pure Property Finance analysed data from the Land Registry on overseas companies that own property in England and Wales. There were 10,938 in the City of Westminster, 5,847 in Kensington and Chelsea, and 2,363 in Camden. […]

Property experts are banking on a strong end to the year after investment volumes in Scotland rebounded over the summer following a “Covid quarter” wipeout. Investment volumes in the third quarter of 2020, covering July, August and September, reached £477 million, according to property consultant Colliers International’s latest snapshot. That marked the highest quarterly figure […]

New landlords and investors from both the UK and overseas are hoping to enter the UK housing market. What’s behind the rise? The number of people searching for property in the UK for buy-to-let purposes is booming, according to new research from Legal & General. And the biggest increase in demand has been from first-time […]

COVID-19 cases might be steadily decreasing, though this does not mean we have overcome all of the fundamental challenges posed by this global pandemic. Market uncertainty has made it difficult for investors to plan for the future. While it looks as though we are on the path to recovery, there is nothing to suggest a […]

Wealthy Hong Kong residents seeking to escape the city’s political upheaval are flocking to London, offering a potential lift to the capital’s ailing luxury housing market. Realtors are seeing a surge in interest from Hong Kong, driven by falling prices, favorable exchange rates and Prime Minister Boris Johnson’s easing of immigration rules for many residents […]

The Prime Central London (PCL) property market is the busiest it has been for over five years, according to estate agency Dexters. The firm, which has a larger presence in the heart of the capital than any other agency, reports that the number of sales agreed for properties priced over £2 million between mid-June and […]

With the temporary changes to the stamp duty threshold in place until March 2021, and a 2% surcharge for foreign buyers set to come in from April, now is the time for overseas buyers to invest in UK property, according to Benham and Reeves. The current stamp duty holiday means that foreign buyers are able […]

Mortgage searches by advisers around visas and non-UK residents has seen a significant rise according to Legal & General Mortgage Club. Data from the SmartrCriteria tool, which helps advisers to determine whether a particular lender would consider a mortgage application from their client, shows that criteria searches related to ‘visas’ were ranked as the most […]

Mortgage brokers and estate agents have reported increased demand from Hong Kong buyers following new security laws in the region as well as UK stamp duty changes, low interest rates and a weak pound. Estate agents Chetertons says that the ongoing tension between Hong Kong and China resulting in Boris Johnson’s offer of British citizenship […]

One week after the Chancellor announced a stamp duty holiday on the purchase of property in England, Skipton International has reported a sharp increase in its buy-to-let mortgage enquiries. The buy-to-let lender says UK expatriates and foreign nationals have been quick to register their interest in investing in UK property to let, with the bank […]

With flights grounded and uncertainty hanging over the global economy, it would be easy to think that foreign buyers have paused their activities in London’s property market. Yet despite the fallout from the Covid-19 pandemic, deals are still being done. As a buying agent for overseas investors, we’ve exchanged on several prime residential properties and […]

The share of overseas investment in Scottish commercial property has doubled since the last financial crisis, according to Colliers International. The real estate advisor said finance had flooded in to the country from Middle East and Asian investors seeking stable assets and from many in mainland Europe in search of value for money. Colliers’ report, […]

According to up-market estate agency, Beauchamp Estates, Hong Kong and mainland Chinese investment in luxury Prime Central London residential property has soared to new levels, despite the global COVID-19 pandemic. This group now accounts for 15% of international buyer home sales above £1million across pime central London and 20% of deals above £10 million. The […]