Expat Remortgage
Remortgaging a UK property while living abroad - switching to a better rate when your current deal ends, releasing equity for any purpose, or switching from a UK-resident product to a specialist expat mortgage on departure.
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What happens next
- Fill in the form (2 minutes).
- We'll match you with the right specialist for your situation.
- A specialist independent broker will contact you to discuss your options.
About Expat Remortgage
Many expats let their existing UK mortgage roll onto a standard variable rate rather than remortgaging, simply because they don't know who will remortgage a non-resident. We introduce you to specialists who do.
The options available
Rate Switch - Fixed Term Ending
Your current fixed rate is ending and you want to avoid rolling onto the standard variable rate. The specialist broker identifies specialist expat lenders who will accept a non-resident remortgage and compares rates across the whole panel. Often significant savings versus SVR.
Equity Release Remortgage
Remortgage to a higher balance and release tax-free cash from your UK property - for home improvements, investments, or other purposes. Expat equity release remortgages are available from specialist lenders at competitive LTV ratios.
Like-for-Like Remortgage
Switching from one expat mortgage to another at the same balance - purely for a better rate. The simplest expat remortgage case. No change in loan size, no new lending decision on income - primarily a rate and property assessment.
Residential to Expat Product Switch
When you leave the UK, your residential mortgage may need to switch to an expat product - particularly if your lender's terms require you to occupy the property. We introduce you to specialists who arrange the switch to an appropriate expat product on departure.
BTL Expat Remortgage
Remortgaging a UK buy-to-let property while living abroad. Rate switch, equity release, or LTV reduction. Assessed on rental coverage. The most straightforward expat remortgage category.
From UK-Resident to Non-Resident
Returning expats who bought in the UK before moving abroad and whose UK-resident mortgage needs to transition to a non-resident product. We introduce clients to specialists who arrange the transition to maintain lender compliance.
How We Help
Current mortgage review
The specialist we introduce you to reviews your current mortgage - lender, rate, outstanding balance, remaining term, and any early repayment charges. Your specialist broker establishes the earliest cost-effective remortgage date.
Non-resident lender comparison
The specialist broker compares specialist expat remortgage lenders - Skipton International, HSBC Expat, Molo Finance, and others. The specialist we introduce you to identifies the best rate for your balance, property value, and country of residence.
Application
Expat remortgage documentation: overseas payslips or income evidence, passport, current mortgage statement, and property details. Your specialist broker manages the application with the new lender.
Completion
New lender redeems the old mortgage and completes the remortgage. Typical timeline: 6-10 weeks. Arranged remotely - you do not need to return to the UK.
Speak to our international mortgage specialists
Call 0204 6211776 · Introductions to specialist expat brokers · All expat locations
Frequently asked questions
Can I remortgage my UK property while living abroad?
Yes - specialist expat lenders specifically offer remortgage products for non-residents. If your current lender declines to renew (because they don't lend to non-residents), or your fixed term is ending and you want a better rate, we refer you to a specialist who sources an expat remortgage from the specialist panel. The process is managed remotely.
My current lender won't renew my mortgage because I've moved abroad. What do I do?
This is a common situation. Contact us - the specialists we introduce regularly arrange remortgages for expats whose existing UK-resident lenders have declined to offer a new product on departure. Skipton International, HSBC Expat, and Molo Finance are the primary alternative lenders for this scenario. The specialist we introduce you to can often complete the remortgage before the existing deal expires.
Will I face early repayment charges on my current mortgage?
Early repayment charges apply if you exit the current fixed rate before its end date. The specialist we introduce you to calculates the ERC position from your current mortgage documentation and recommends the optimal remortgage timing - in many cases, the rate saving over the remaining term justifies paying an ERC, but your specialist broker models this honestly.
Can I release equity from my UK property while living abroad?
Yes - an equity release remortgage while living abroad is available from specialist expat lenders. The maximum loan-to-value varies by lender and country of residence - typically 70-75% for expat remortgages. The released equity can be used for any purpose, transferred internationally in your choice of currency.
Do I need to return to the UK to remortgage?
No - expat remortgages are arranged remotely. Identity verification (usually by a notary or solicitor in your country of residence), document certification, and mortgage deed execution are all conducted remotely. Anti-money laundering checks are completed remotely. You do not need to travel to the UK for a straightforward expat remortgage.