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calculator and property models representing buy to let mortgage affordability calculations for expat property investors

What Is Top Slicing in Expat Buy to Let Mortgages?

Expats investing in UK buy to let property sometimes run into a frustrating problem. The property itself may generate reasonable rent, yet the mortgage application still fails the lender’s affordability test. This usually happens because buy to let lenders rely heavily on rental stress testing. The rent has to cover the mortgage payments by a certain margin, and in […]

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up the repayments on a mortgage or any debt secured on it. The Information in this website is subject to UK regulatory regime and is restricted to UK consumers. The FCA does not regulate some forms of buy-to-let, overseas and commercial finance and taxation advice. Expat Mortgages UK is a trading style of Commercial Finance Network Corporation Ltd, registered at New Media House, Davidson Road, Lichfield, United Kingdom, WS14 9DZ. Company Register number is 11074932. ICO registration ZA302277 and you can check via www.ico.org.uk. Commercial Finance Network Corporation Ltd is an authorised credit broker and not a lender. We will receive commission from lenders. Different lenders pay different amounts depending on different commission models. For transparency we work with the following commission models - fixed fee and percentage of the amount you borrow and rate for risk. Further details of the commission model, calculation and amount will be disclosed to you throughout your customer journey. © 2026 Expat Mortgages UK

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