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Expat Mortgage
A specialist mortgage for UK citizens living and working abroad who wish to invest in UK property like an HMO.
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Online (8am to 8pm Mon to Sat)4.9/5.0
HMO mortgages for expat borrowers.
Expat HMO mortgages enable UK nationals living abroad and foreign nationals to invest in UK HMO properties while residing overseas. These specialist products address the unique challenges faced by expat borrowers, including foreign income verification, currency considerations, and remote property management. Lenders who offer expat HMO mortgages typically accept income in foreign currencies and understand international employment structures. The application process often involves video calls and electronic document submission due to the borrower's overseas location. Expat HMO mortgages usually require larger deposits (typically 25-30%) and may have slightly higher interest rates to offset the perceived additional risk. However, they provide an excellent opportunity for expats to build UK property portfolios and benefit from rental income while living abroad, often serving as a pathway for future UK repatriation.
Accept income from worldwide employment or business.
Income in foreign currencies considered.
Lenders who understand expat circumstances.
Build a UK property portfolio while living abroad.
Application process managed remotely with video calls.
Advice on UK tax implications for expat landlords.
Check if you meet our criteria for expat hmo mortgages:
Our streamlined mortgage process makes it simple and stress-free:
Discuss your mortgage needs and current situation with our specialist advisors.
Our experienced team works to ensure your mortgage completes as quickly as possible. We'll keep you updated throughout the process and handle any issues that arise.
Live rates from our specialist lenders for expat hmo mortgages:
Important Notice: The rates displayed on this page are not currently correct and should not be used for decision making. Please contact us for up-to-date rates.
No rates available for this category at the moment.
Please check our rates page for all available options.
Understand the costs involved with expat hmo mortgages:
Fees can vary significantly between lenders and depend on your specific circumstances. Our brokers will provide you with a detailed breakdown of all costs before you proceed. Some fees may be negotiable or waived depending on the lender and loan amount.
Find answers to common questions about Expat HMO Mortgages:
Yes, many lenders offer HMO mortgages to expats, though criteria may be stricter and deposits higher.
Expats typically need proof of income, UK property management experience, and a UK-based property manager.
Rates for expat HMO mortgages are typically 0.5-1% higher than for UK residents due to increased risk.
Requirements include strong overseas income, UK property management experience, UK-based property manager, adequate deposit, and often a UK bank account.
Most lenders require a minimum 30-35% deposit for expat HMO mortgages, though some may accept 25% for experienced landlords with strong income.
Most lenders require a UK bank account for expat HMO mortgages, though some may accept international accounts if you have a UK-based property manager.
You'll need translated payslips, bank statements, employment contracts, and potentially tax returns. Some lenders may require income verification through international agencies.
Yes, many lenders offer HMO mortgages to non-UK citizens, though criteria may be stricter and you'll need to demonstrate strong ties to the UK property market.
Expat HMO mortgage applications typically take 8-12 weeks due to additional verification of overseas income and potentially more complex documentation requirements.
Expat HMO landlords are subject to UK tax on rental income. You may need to register for self-assessment and potentially pay tax in both your country of residence and the UK.
Important terminology related to Expat HMO Mortgages:
