The Mortgage Cafe

Buy to Let Mortgage for British Expatriate Buying in the UK

HMO Mortgages Suitable for British Expatriates

Expat mortgages designed for UK non-residents who are living or working abroad and wish to mortgage UK investment property.

Our panel lenders offer a range of buy to let products for ExPats UK nationals who are living and working abroad. Applicants should have a UK bank account and ideally have a good track record with an existing UK mortgage, although in some cases we can accommodate applicants who do not have a current UK mortgage or property.

These lenders provide good terms and flexibility, coupled with interest only options, if required. They can accommodate a wide range of properties and lending is available up to 75% LTV.


General Lending Criteria: Buy to Let Mortgage for British Expatriates

  • Purchases or Remortgage
  • Interest only or capital + interest repayment
  • Mortgages up to 80% Loan to Value
  • Lending to Limited companies and LLP
  • Interest rates from 2.69% (subject to LTV)

Get Quotes

Buy to Let Mortgages as Low as 1.60% pa

Applicant Profile


  • Homeowner or Buy to Let property for at least 12 months
  • UK passport or UK driving licence as ID
  • Evidence of deposit funds for property purchases
  • Applicants can be Employed, Self Employed

Types of Property

Details about types of acceptable property here, need more information.

  • Houses and flats
  • Standard buy to let and multiple occupation accepted
  • Purchases and remortgages
  • Property located in England Wales and Scotland

Request Call Back

Available on-line at