Expats & Foreign Nationals - Opportunity calls in 2026
Welcome to the next edition of INSIGHTS covering complex UK mortgages
With the end of 2025, and now entering 2026, there have been a number of UK mortgage developments with UK banks and lenders that mean accessing the UK property market as an expat or Non UK resident with mortgage financing has never been more accessible.
We summarise a few of these developments and a case study to highlight one of our wins this year.
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Age barriers basically gone - More lenders than ever are relaxing their maximum age at term end with some lenders allowing to age 85+.
Ltd co Buy to Let deals - A few more expat lenders have entered the Ltd co buy to let market for expats, and one or two even permitting up to 80% LTV.
Non UK nationals - This is an area of particular progress, many of the Non UK national clients have been hit with higher rates for both residential or BTL lending. Now one or two more lenders have entered the market adding more competition and driving down rates accordingly.
If you would like to discuss these or other aspects of your UK mortgage deal book a call here.
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And now for that case study ... an expat in UAE looking for a ltd co BTL mortgage !
Market Updates
- More Help for borrowers with a reduction to the UK BOE rate from 4.00% to 3.75% and its thought this will improve buoyancy in the market read the article here.
- Its a buyers market, asking prices are lower in December than at the same time last year.. but is a bounce to higher prices ahead ? Read the article here
- If you have never listened to the Property Hub team, we recommend doing so - Rob & Rob showcase their top 2025 episodes of the year. Get it here.
Next Steps...
Book a Free Discovery call here & if your not sure what a discovery call is all about Ive made a series of videos on what to expect here.
A Great way to get frequent updates, hints & tips and insider industry knowledge of the complex / expat mortgage market is to join our YouTube channel here.
Our Quick 60sec Quote page allows you to obtain the latest rates to be expected and you can request a specific quote by sending an email to [email protected]
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