Whether you want to reduce your interest rate, switch to a new lender, release equity, or protect yourself against currency fluctuations, remortgaging can be a smart financial move—especially when managed by advisers who understand the expat lending landscape.
At Harrison Brook, we specialise in remortgaging solutions for clients with international lifestyles and income sources. We work with a range of lenders—mainstream and specialist—who are comfortable with overseas income, complex financial profiles, and non-standard credit histories.
What Is Remortgaging?
Remortgaging simply means replacing your current mortgage with a new one—either with your existing lender or a different one. Most commonly, people remortgage to:
- Access better interest rates
- Adjust repayment terms
- Switch from interest-only to repayment (or vice versa)
- Raise capital for investments, school fees, or renovations
- Consolidate debt
For expats and returnees, remortgaging can also help with currency exposure or improve mortgage flexibility ahead of a move back to the UK.
Who Should Consider an Expat Remortgage?
You may benefit from a remortgage if:
- Your fixed-rate deal is ending or has ended
- You’re currently on a lender’s standard variable rate (SVR)
- You bought your property as a UK resident but now live abroad
- You want to raise equity from your UK property
- You’re returning to the UK and want to review your loan terms
Even if your income is in a foreign currency or you’re self-employed, we can find lenders who will consider your case.
Why Remortgaging Is Different for Expats
UK high street lenders often struggle with applications from people living abroad. Common hurdles include:
- Income not earned in GBP
- No recent UK credit activity
- Self-employment or variable income
- Tax residency or address mismatch
At Harrison Brook, we are experienced in presenting applications in a way that meets lender requirements. We’ll advise you on what documentation you’ll need, help you prepare your financial profile, and manage all communication with the lender.
Key Benefits of Working with Harrison Brook
1. Access to Specialist Lenders
We have relationships with banks that offer expat-specific remortgage products, including options for large loans, buy-to-let properties, and second homes.
2. Independent, FCA-Regulated Advice
We are not tied to any one lender, ensuring that the advice we give is always in your best interest.
3. End-to-End Application Management
From affordability checks to document gathering and lender negotiations, we handle the process on your behalf—saving you time, stress, and money.
4. Currency and Tax Awareness
We understand how foreign income, currency risk, and tax residency affect mortgage lending, and we tailor our advice accordingly.
Frequently Asked Questions
Can I remortgage if I live outside the UK?
Yes. Many lenders accept applications from British expats, and we know which ones are best suited for your needs.
Will I need a UK credit score?
While a strong UK credit history helps, many lenders will accept international clients with limited UK activity—especially if your income and assets are strong.
How much equity can I release?
This depends on your income, loan-to-value (LTV) ratio, and the lender’s criteria. We can explore your borrowing power in detail.
Ready to Remortgage?
Whether you’re looking to improve your deal or release equity from your property, Harrison Brook can help. Our deep experience in expat finance ensures that you get the right remortgage for your situation—with no surprises and full transparency.
