Best Expat Rates - Require this secret formula !
Welcome to the next edition of INSIGHTS covering complex UK mortgages
Lots of clients ask me each week to source the best rates for their expat status. The reality is that the BEST rates on offer require a little known formula...
FORMULA to BEST Expat rates...
So lets get straight to it, firstly as of writing in February 2026 the best 2 yr fixed rate expat deal is 4.16%. So how would someone qualify for this rate?
Clients need to be:
- Employed or Self Employed earning over £75K GBP per annum (GBP equiv)
- Good Credit scoring in country of residence (no need for UK credit score)
- Borrowing at 60% of value or less
AND
Clients can be:
- First Time Buyers
- Without a UK credit score
- ANY nationality
So far so good I hear you say.. well the next criteria is where many clients cannot meet the requirement:
MUST be resident in:
Australia ~ UAE ~ Qatar ~ USA ~ Hong Kong ~ Singapore ~ Malaysia ~ Switzerland ~ Taiwan ~ Channel Islands.
If you are not resident in any of these areas above, then the 4.16% deal is not available.. However not to worry we have rates from 4.35% for many other regions including GCC countries such as:
UAE | Qatar | Saudi | Bahrain | Kuwait | Oman
And if you are not in a GCC region there are rates from 4.8% on 100+ of other countries again for ANY Nationality looking to buy or refinance UK property.
So if your considering UK property and mortgages while outside the UK, where you don't meet the Best Rates criteria above, don't worry, there could be other good priced options available.
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 video case study ... watch this one.
Market Updates
- What were the best areas for UK property in 2025 ? our trusted friends at right-move have an interesting take on it read the article here.
- Is UK property investing really still worth it ? as many expat clients consider other investments in different regions. watch the episode here.
- NEW 90% Lending for Expat residential clients, whereby clients need to only be earning £40K+ per year and be Employed. Rates from 5.45% Book a call to discuss further
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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