You are here: Home - News -

Demand for expat BTL mortgages soars

by: Tim Chen
  • 26/10/2017
  • 0
Demand for expat BTL mortgages soars
Demand from expats in search of buy-to-let mortgages to invest in UK properties has soared over the past 12 months, according to the latest research from Liquid Expat Mortgages.

The research showed how enquiries for UK buy-to-let mortgages from overseas investors has increased by 90% compared to 2016. The majority of enquiries have come from expats living in UAE (30%), Hong Kong (15%) and Singapore (10%).

A report by market research and financial consultancy company Finaccord also found that the number of expatriates across the world is at a record level and growth is expected to continue over the next few years. It showed that Saudi Arabia had the most expats with India having the highest rate of citizens expatriating.

Because of a weak pound, “the UK property market is becoming an increasingly attractive investment opportunity for overseas investors,” says Liquid Expat Mortgages – despite the host of regulations brought in by the Prudential Regulation Authority (PRA).


Expat BTL revival

The international mortgage market also saw changes in 2015, when measures to tighten up the largely unregulated market were introduced in the European Union Mortgage Credit Directive (MCD).

Nevertheless, expat BTL mortgages have seen something of a revival according to Moneyfacts. The number of expat buy-to-let products dropped from 137 in October 2015 to 107 in October 2016, but has subsequently jumped up to 191 this October.

Stuart Marshall, managing director of Liquid Expat Mortgages, said: “Over the last decade, very few lenders provided mortgages to expats, but that has changed more recently thanks to the increasing demand from expats looking to invest in UK buy-to-let property.”

“Many expats are keen to keep a foothold in the UK and the yields on BTL properties in the UK are far ahead of those offered by other countries.” Marshall continued: “This increased interest in UK BTL mortgages is in spite of increasing initiatives by the government to dampen BTL purchases, such as the second home Stamp Duty and increasing stress testing for buy-to-let mortgages.”

There are 0 Comment(s)

You may also be interested in

Business Skills

In this section, we offer short ‘how to’ guides on harder to crack areas of business. From social media, to regulation or niche product areas, we cover it all.


Our journalists interview key industry entrepreneurs, strategists and commentators for day-to-day market insight and a strategic view of where the industry is heading. We offer lessons for success and explore the opportunities for your business

Success in Practice

Here, we share case studies fleshing out best practice to help you decide what could work for your business. Take a look at how others approached complex tasks like launching a new mortgage lender, advising on a new product area or deciding to specialise in another. Learn from others mistakes and triumphs.


Each week, we ask top mortgage and property commentators with a unique perspective to examine a key news headline, market move or regulatory or political issue.


Vote in our weekly poll here. It’s your chance to tell us what you think and be heard on the top news stories of the week. Review our archive to find out what your industry really thinks and all our coverage of the results.

Top Comments

Be part of the conversation on Mortgage Solutions. We want to hear from you. We have a tool called Disqus to tell us which stories get the most comments each week. Every Friday, the team picks the most thoughtful or opinionated contributions from our readers to enjoy again. Don’t forget to share your favourite stories from the site on social media to keep the conversation going.
  • RT @robjupp: Great day yesterday for donations to @MortSleepOut. With Gift Aid, we are now close to £17,000. It would be great to get to £2…

Read previous post:
head shot of Charles Morley
Metro Bank cuts 90% LTV mortgage rates

Metro Bank has cut rates across its 90% loan-to-value (LTV) mortgages for residential, buy-to-let (BTL) and large loans.