Whether it’s a coastal cottage, city apartment, or countryside retreat, a holiday let can offer solid income, long-term growth, and a property you can enjoy too.
We’re expats ourselves, fully regulated in the UK, and we work exclusively with expats. We know which lenders welcome holiday lets – and which ones understand your situation.
Posted on Google Dubs OrigTrustindex verifies that the original source of the review is Google. Great service!! Many thanks for holding my hand throughout the process and promptly supporting during the unexpected hurdles.Posted on Google Rahma WarshowTrustindex verifies that the original source of the review is Google. Excellent service from start to finish .Ryan from expat mortgage was very supportive in helping us secure our mortgage . Thank you Ryan for all the support during this process .Posted on Google SharonTrustindex verifies that the original source of the review is Google. Ryan has been great, really supportive and made a daunting process, straightforward. He was always there to any questions or queries, no matter how small or ‘silly’ they may have been. We were first time buyers (buy to let in the UK) and we’d happily use Expat Mortgages services again. Ryan is very knowledgeable , Honest and an all round good guy. Thank youPosted on Google 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 Google 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 Google 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 Google 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 Google 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 Google 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 Google 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.Load more
Local time zone, real conversations, face-to-face if you prefer.
Plus how to position your income for UK lenders.
We know the lenders who offer holiday let mortgages.
No jargon, no pressure.
Fully compliant, highly experienced.
It’s ideal for:
We will help you find a lender who’s happy with your plans and the location you’ve got in mind.
Holiday let mortgages are different from standard residential or buy-to-let deals.
Lenders assess:
You don’t need to have UK credit or rental experience. We work with lenders who understand the expat market.
Holiday let mortgages come in various shapes and sizes.
We will help you choose between:
Some lenders even allow a few weeks per year for personal use – perfect if you plan to enjoy the property too.
Wherever you’re starting from, we will get you moving in the right direction.
We make UK mortgages feel a little less… UK. We’re here, speak your language, and cut through the waffle. Here’s how it works:
The what, where, why, and how.
Only realistic options, explained simply.
No sales pressure.
Including applications, documents, and liaising with lenders.
And we stay on hand if you need us again.
Tourism in the UK continues to rebound. With rising demand for short-stay accommodation, holiday lets are one of the highest-yielding property types available. And for expats, they’re a great way to invest – with the added bonus of having a home from home.
If you’re looking for flexibility, income, and a smart long-term move, a holiday let could be just the ticket.
You don’t need all the answers. That’s what we are here for.
Drop us a message, ask a few questions, or book a call. We will talk it through and help you make a plan that works.
We try to answer all enquiries within 24 hours on business days. If there is a certain time you’d like a call, please state this and we’ll endeavour to contact you then.