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Expat Buy to Let Mortgages

UK citizen residing overseas and looking to own a Buy to Let property in the UK? Our Expat Buy to Let range could be right for you. Available to those looking to purchase a home or remortgage an existing property.

What's an Expat Buy to Let mortgage?

Our Expat Buy to Let mortgage is designed for UK nationals living abroad who want to buy or remortgage a property in England or Wales that they intend to rent out to tenants.

This mortgage option could be suitable for expats who are overseas and want to earn a rental income by keeping their UK home. It could also be used to buy or remortgage an existing investment property.

What’s the maximum number of buy to let properties I can have?

To be eligible for a Marsden mortgage, applicants can have no more than three mortgaged rental properties across any number of buy to let lenders with a maximum exposure of £1,500,000. We don’t accept large portfolio landlords.

Could an Expat Buy to Let mortgage be right for me?

To apply for this type of mortgage there’s a range of eligibility criteria you’ll need to meet. As a guide, you could be eligible for an Expat Buy to Let mortgage with the Marsden if:

  • You’re looking to borrow at least £100,000*
  • You’re looking to borrow a maximum of £750,000*
  • Your property is worth at least £167,000*
  • The property is in England or Wales
  • You’re looking to borrow up to 75% LTV on a repayment or interest only basis
  • You’re at least 25 years old (for joint cases, only one applicant needs to be 25 or over)
  • You have an annual income of at least £37,500 (whether you’re applying on your own or jointly)


*Some products we offer may have different minimum loan sizes, maximum loan sizes and minimum property values. Please check the details before you apply.

Please note, if you’re looking to borrow against your home for a variety of reasons (home improvements for example), depending on the amount of the loan advance, documented evidence may be required to support the loan purpose.

Do I need to be paid in GBP to apply for an Expat Buy to Let mortgage?

No, your income doesn’t need to be in GBP to apply for an Expat Buy to Let mortgage with us. We currently have no currency restrictions in place for this mortgage type but we do have restrictions on countries we’ll accept applications from.

For more information about how we assess foreign currency, or the country restrictions in place, get in touch with our team who’ll be happy to assist you and answer any questions you might have. You can contact us by calling 01282 440500.

Can I have an Expat Buy to Let mortgage if I plan on moving back to the UK?

If you plan on moving back to the UK, you’ll need to switch to a traditional Buy to Let mortgage to continue renting out the property. However, if you intend on moving into the property yourself, you’ll need a Residential mortgage instead.

How do I apply for an Expat Buy to Let mortgage?

If you’d like to apply for an Expat mortgage with us, our team of UK-based advisors are on hand to help. They can give you more details about our product rates, walk you through the application process and carry out an Agreement in Principle (AIP) over the phone.

To find out more, please call 01282 440500 or request a call back on this page. Our advisors are available Monday to Friday from 9:00am to 4:45pm.

Our mortgage range

Our mortgage range

Find out more about the range of mortgages available from the Marsden.

Our mortgage range
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