
Expat mortgages. What happens when your UK Consent to Let ends
What happens when your UK Consent to Let ends as an Expat TLDR: Consent-to-let. The information you need to know If you’re an expat with
Understanding your requirements and objectives is key for us. We listen and work together to secure the best possible mortgage product for your individual circumstances.
We have helped 100s of satisfied mortgage clients across the UAE and Asia. Our post-completion surveys show a 96% satisfaction rate—proof of our commitment to excellent service.
We are fully registered and authorised under UK mortgage regulations. Based in England, we are regulated by the Financial Conduct Authority (FCA), giving you peace of mind and full transparency.*
We work closely with a wide network of expat mortgage lenders—giving you access to exclusive deals and tailored solutions you won’t find elsewhere.
With over 25 years of mortgage and personal finance experience, regardless of your financial circumstances, Ryan will have a solution. With an industry knowledge that is second-to-none, he is the ideal mortgage broker for you.
Being located overseas whilst trying to arrange a UK mortgage can be a real hassle. Whether you are purchasing an investment buy-to-let or remortgaging a property back in the UK, we are here to make it as painless as possible.
Safeguard your family’s future with tailored life insurance solutions that provide financial support when it matters most.
Ensure your mortgage is covered if the unexpected happens. Our protection plans give you and your family peace of mind during life’s uncertainties.
Protect yourself and your loved ones from financial strain in the event of a serious illness. Receive a lump sum payout to help cover treatment, bills or time off work.
Unlock the equity in your property with a secured loan. Ideal for home improvements, consolidating debts, or funding major purchases—with flexible repayment options.
We will guide you through practical steps to improve your credit score, helping you unlock better mortgage rates and increase your chances of approval.
Get in touch for expert, no-pressure advice tailored to expats.
Email: help@expatmeuk.com
Call: +971 58 513 9728
Whether you are remortgaging an existing UK property or purchasing a new buy to let investment, we are here to help. Here is how a few of our clients have found working with Expat Mortgage Expert.
Posted on Madeline RoutledgeTrustindex verifies that the original source of the review is Google. I’m incredibly grateful to Ryan and his team for helping me secure my mortgage. As an expat the process can feel quite complicated at times, but Ryan guided everything with patience, professionalism and a real determination to get it across the line. There were a few challenges along the way, but Ryan and his team were always responsive, supportive and clearly very experienced in navigating the process. Their communication throughout was excellent and I always felt in safe hands. A huge thank you to Ryan and the wider team for their persistence and hard work behind the scenes. I wouldn’t hesitate to recommend them to anyone looking for an expat mortgage expertPosted on Chris BarrowTrustindex verifies that the original source of the review is Google. Ryan and his team are always my go to for any mortgage or remortgage. Recently completed a remortgage which became extensive due to legal issues. Lorraine at the team was extremely helpful to get this over the line. They have great expertise, contacts and know how to make things happen. Recommend anyone to use them. You won’t be disappointed in their service.Posted on erica colbeckTrustindex verifies that the original source of the review is Google. Expat Mortgage has been an absolute pleasure to deal with. Ultimate professionals, easy communication and the support throughout the process was amazing. Ryan was the perfect guide and the whole process was effortless. We will definitely return to Expat Mortgage again.Posted on Jack LuukasTrustindex verifies that the original source of the review is Google. Ryan and Lorraine have been incredible in supporting my wife and me with buying a house back in the UK. As first time buyers, we had very little idea of the process, but they guided us through every step and made it a much easier experience than it would have been without them. They were both amazing and we will definitely be using them again in the future.Posted on Adam NicholsonTrustindex verifies that the original source of the review is Google. Ryan, Lorraine and the whole team were just fantastic! Patient, professional - clear and practical advice at every step of the process (which wasn't straightforward, these guys know their stuff!) Even after finalization, frequent check ins - and ongoing support. This is who i will be working with going forwards.Posted on Jim DickinsonTrustindex verifies that the original source of the review is Google. Ryan and his team are excellent and attentive and this is the 2nd time that I have used them for our mortgages. I would no hesitation in recommending him and his teamPosted on Dan ExeterTrustindex verifies that the original source of the review is Google. Ryan and the team were excellent throughout my whole recent remortgaging of a UK BTL flat for me, an expat in Australia. They had a comprehensive view of the market and were tenacious in finding the right deal for me with my bespoke circumstances. The admin team (I dealt with Sophie and Lorraine) were always prompt, efficient, clear and transparent about exactly what was needed, why and when. This made the task of getting all the paperwork much easier and I really appreciated that. Communications were excellent, both in keeping me informed and also replying promptly to all the questions I had. Timeline for me was 4 months from first enquiry to funds clearing. I had been warned / had researched for myself it could easily be 6 months plus so I'm very happy with that. Thoroughly recommend.Posted on Asad QubeTrustindex verifies that the original source of the review is Google. I had an excellent experience with Expat Mortgages while purchasing a property in the UK from Dubai. The team was incredibly helpful throughout the entire process. Ryan was always there to answer my questions, and Sophie and Lorraine kept me updated regularly. They were always approachable and quick to respond, making the whole journey smooth and stress-free. They even helped chase up solicitors and the council for any needed information. I highly recommend Expat Mortgages to anyone looking to buy property in the UK while residing in the UAEPosted on Lauren PearsonTrustindex verifies that the original source of the review is Google. Ryan and his team have been fantastic from start to finish. This was my first time arranging a buy to let remortgage as an expat, and they made the whole process so much smoother. From sourcing the right product for my needs through to completion, everything was handled with the highest level of service - I couldn’t recommend them highly enough!Posted on Bailey BellTrustindex verifies that the original source of the review is Google. We recently completed on a buy-to-let HMO purchase with the help of Ryan and his team at Expat Mortgages, and we couldn’t be happier with the service provided. Ryan gave us excellent advice, patiently guiding us while we weighed up whether to buy as individuals or through a company. He clearly explained our mortgage options and even pointed us towards tax professionals who helped us make the right decision. Lorraine was fantastic in chasing down the lender and supporting us in finding solicitors and an insurance provider, while Sophie also provided great support along the way. Although there were some challenges with our solicitor, the guidance and consistent communication from the team made the process much smoother. Ryan was always available when we needed him, and we really appreciated his knowledge, professionalism, and responsiveness throughout. We would definitely recommend Ryan and the Expat Mortgages team and would not hesitate to use them again in the future.Load more
With nearly 150 years of financial services experience, our team are ready to alleviate your mortgage hassle, providing a fully managed experience from introduction to completion.
Our completion surveys allow us to ensure we are always improving
We have completed over 4,300 personal finance applications
There is nothing about the industry that our fully-qualified team do not know
We will find you the perfect expat mortgage lender for your circumstances
We work with over 20 trusted UK lenders—giving you access to a wide range of mortgage options tailored to your needs as a UK expat. Whether you’re buying, remortgaging, or investing, we will help you find the right solution with the right lender.
Our proven and methodical process will ensure we secure you the best possible deal, keeping you fully up-to-date at every stage. Here is how it works..

We start by getting to know you, your needs and requirements. Talking you through the whole application process and advising what documentation you will need to supply as well as what fees you may have to pay and the size of deposit you will need.

Documentation you supply is reviewed by us and once we have everything we need, we then source all available mortgage options from the ’Whole of the Market’ to find the right lender and best product for you.

With your agreement we will then seek to obtain an ‘Agreement in Principle’ from the lender.

We will then complete all relevant paperwork for the lender and our experienced team will guide you through the application process to successfully obtain the mortgage offer for you.

Once the mortgage offer is issued, our team will continue to help you throughout the process, including chasing solicitors, to get you through to a successful completion.
Here we will capture all of the detail we require to start finding you the perfect mortgage product.
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