Effortless Expat Solutions

Caz Blake-Symes • August 11, 2025

We specialise in providing mortgage solutions for expat clients. Phil has over 30 years of experience in working with Expat clients, and now that Bristol Mortgages Online is a trading style of Manor Mortgages, we have an even greater choice of products to offer.

The services we offer include:

Flexible Service

We accommodate time-zone differences by working out of hours to meet the needs of expat clients.

Expert Experience

Our expertise in expat mortgage applications ensures successful outcomes despite varying lender criteria.

Comprehensive Market Assessment

We evaluate the market to find the best mortgage options for clients looking to remortgage or purchase property while abroad.

Effortless Process

We’ll manage all the hard work, administration and chasing.


Criteria Highlights

·      Applicant

·      UK citizen or national

·      First-time buyer or landlord

·      Only a UK bank account is required for credit history purposesost countries accepted (except highly sanctioned countries)

·      No maximum age


Property

·      Consumer BTL (former residence)

·      Residential / family living in the property

·      Near commercial outlets allowed

·      Non-standard construction


Income

·      No minimum income

·      Overseas income

·      Multi-national companies

·      Self-employed

·      Combination of foreign and GBP income


Mortgage

·      Rental calculation or full affordability (top slicing)

·      Capital raising

·      Interest-only and capital repayment


Here is just one example

Expat BTL Rates

Rates from

5.34%

5-Year Fixed

•           Max LTV 75%

•           1% product fee

•           Consumer BTL accepted

•           Over 40 acceptable expat countries

•           Free valuations for remos under £500,000


If you would like to find out more, please call Phil Clark on 01173251511 or email


Please also visit the Expat section of our website www.bristolmortgagesonline.com/expat-mortgages

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