Liquid Expat Mortgages Reviews 

273
TrustScore 5 out of 5

4.9

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Review summary

Created with AI, based on recent reviews

Evaluating 98 reviews, reviewers overwhelmingly had a great experience with this company. Clients consistently highlight the exceptional market knowledge, professional attitude, and constant support provided by the team, making complex property purchases entirely straightforward. People deeply appreciate the clear communication, proactive updates, and prompt responses, which give them complete confidence throughout every single stage of the journey. However, some people mentioned that the overall mortgage procedure could occasionally take a bit of time to finalize or experience minor delays. Despite these occasional hurdles, consumers consistently feel well-guided, supported by patient agents, and strongly recommend their expert financing services to other expats.

What people talk about most

Service

Users describe positive interactions with service, highlighting efficient communication and expert guidance... See more

Staff

Consumers find staff to be positive, helpful, and highly professional throughout the mortgage process.... See more

Customer service

Customers consistently note positive experiences with customer service, highlighting knowledgeable and... See more

Response time

Reviewers mention positive feedback about response time, highlighting exceptionally prompt communication and... See more

User experience

Customers had positive experiences with user experience, highlighting how straightforward, quick, and... See more

Reviews shaping this summary

Rated 5 out of 5 stars

I had such a great experience with Liquid Expat Mortgages. Vanessa and Julie were both amazing to work with — friendly, knowledgeable, and always quick to respond. They clearly have deep market knowle... See more

Rated 5 out of 5 stars

John and Vanessa have been amazing. Despite our case being more complicated than most, their diligence, perseverance and professionalism at every step of the way meant we were able to secure a mortgag... See more

Rated 5 out of 5 stars

The expat mortgage team walked me through each step, they were patient and understanding. Communication from them was outstanding and prompt, ensuring I knew exactly what I needed to satisfy the lende... See more

Rated 5 out of 5 stars

The service provided by Expat Mortgages was excellent, our agent Anastacia Pienaar was always available to answer any questions we had. Nothing was ever a problem even when it was not part of their... See more


Company details

  1. Mortgage Broker

Written by the company

Since 2007, Liquid Expat Mortgages has been finding the best UK mortgage products and rates for every type of expat buyer. Whether you’re investing in property or looking to buy your first home, our experienced team of expat mortgage specialist advisers can help. For almost 15 years Liquid Expat Mortgages has provided all forms of finance for anyone looking to purchase or remortgage in the UK. Anyone who has tried to obtain a UK mortgage or UK remortgage whilst working or living outside the UK will appreciate the complexities of organising any type of mortgage. With time zone differences, identity requirements, no UK credit footprint, foreign currency salaries and other legal requirements from lenders, it’s easy to give up on finding your ideal mortgage. Our end-to-end service has helped customers worldwide secure their specific mortgage whether they remain in their host country or if they are coming back to live in the UK. We are a totally independent specialist expat broker with qualified mortgage consultants and are registered with the Financial Conduct Authority (FCA) for total peace of mind. We have developed solid and long-standing relationships with over 50 UK lenders including specialist boutique and niche lenders you won’t find on the high street.


Contact info

4.9

Excellent

TrustScore 5 out of 5

273 reviews

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4.9

All reviews

(273)

97 reviews in the last 12 months

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Rated 5 out of 5 stars

Liam at Liquidexpat

Liam is always prompt with replies and works extremely hard behind the scenes to get things completed before deadlines. He is also good at motivating others to work quickly on your behalf.

April 21, 2026
Rated 5 out of 5 stars

Liquid Expat are the best!!!

I’ve used Joe McGarry at Liquid Expat before on a couple of occasions. He never fails to deliver an immediate solution.

This time, my matter was quite complex but he helped me navigate and suggested the perfect solution for my situation and recommended an award winning lender who worked speedily to bring about a swift completion fr my house purchase.

I did first try a couple of other brokers this time before going back to Liquid Expat which was a fatal mistake!! I’ve learned my lesson and will not waste valuable time again and always return to Liquid Expat. I cannot recommend Joe McGarry at Liquid Expat highly enough as he always delivers!! Thanks Joe.

April 21, 2026
Rated 5 out of 5 stars

Great experience on remortgage

I’ve had a great experience working with Liquid Expat who helped me on an expat remortgage. Joe and Liam provided great service and helped me through the whole process. I would definitely recommend to anyone needing a mortgage.

April 13, 2026
Rated 5 out of 5 stars

This is the second property Liquid…

This is the second property Liquid Expat have helped me to arrange a mortgage.
As always they offer very competitive mortgage products for expats, that closely rival what is available to people resident in the UK.
They are very experienced in arranging mortgages for expats and clearly communicate the process to you.
Great friendly, professional service and extremely quick at responding to any messages or requests you may have.
They certainly took the complication out of arranging a mortgage from abroad. I would highly recommend their services and I will use them again in the future.
A special thanks to Liam who guided me throughout the purchase until completion and John for experience and knowledge.

April 2, 2026
Unprompted review
Rated 5 out of 5 stars

Complex Situation - Liquid Expat Professionalism

Despite my situation being quite complex, The Liquid Expat team dealt with it with the highest level of professionalism, timeliness and sensitivity. They were always ready to answer my questions and help me throughout the process. All in all, it was an excellent working relationship.

April 13, 2026
Rated 5 out of 5 stars

I had a very positive experience…

I had a very positive experience working with Liquid throughout my mortgage application process. From the outset, the team was professional, responsive, and extremely supportive.

A special thank you to Anastacia and John, who were both outstanding. They kept me informed at every stage, were always available to answer questions, and made what can often be a stressful process feel smooth and well-managed.

What stood out most was their persistence and commitment. They worked hard to keep things moving, especially around the valuation stage, and ensured everything progressed as efficiently as possible. Their communication was clear, and I always felt confident that my case was in good hands.

I would highly recommend Liquid to anyone looking for a reliable and efficient mortgage broker. Thank you again for all your hard work and support — it’s truly appreciated.

— Donovan

April 13, 2026
Unprompted review
Rated 5 out of 5 stars

Julie was a champion

Julie was a champion, very accessible and really helpful and knowledgeable throughout the process. The process was thorough with the specific lender, however a success with an offer signed! Thanks for your support Julie

April 13, 2026
Unprompted review
Rated 5 out of 5 stars

Great Service

Adrian was instrumental in navigating the complexities of our mortgage application. He seamlessly managed the coordination with the lender, ensuring no detail was overlooked. He kept us informed at every milestone, providing much-needed peace of mind. I highly recommend Liquid Expat for any expatriate seeking a reliable and efficient mortgage partner.

March 11, 2026
Unprompted review
Rated 5 out of 5 stars

Communication!

With property purchasing being an arduous, time heavy undertaking, it's easy to feel like not much is happening during the whole process. Liquid Expats have been very proactive throughout, keeping me up to date at every stage which I really do appreciate. Between dealing with lenders and myself, they have been efficient, patient and communicative all the way through, highly recommended!

March 12, 2026
Rated 5 out of 5 stars

Remortgage while in South America

We were in a difficult position trying to remortgage on a buy to let for our property in the UK but living and working in Peru and getting paid in dollars not sterling, with payslips in Spanish etc, plus having to put up with our five hour time difference. Raja and Liam were honest and up front about the timescales and likelihood of being accepted for the mortgage, These guys went above and beyond for us and managed to get us out of a tricky situation with a reasonable level of fees. To be fair it was actually a pretty stress free process which was a real surprise. The application was straight forward and not too onerous, would recommend for anyone in a similar position looking for expat mortgages while overseas. Thank you both for all your hard work. Justin & Julie, Lima, Peru

February 2, 2026
Unprompted review
Rated 5 out of 5 stars

A real professional team

The Liquid Expat team John, Debbie and Liam, helped me with my first buy to let refinance mortgage. The team ensured everything was done properly and made the whole process easy and stress free. A real professional team who I hope can help me again in the future.

March 5, 2026
Rated 5 out of 5 stars

Outstanding

John and Vanessa have been outstanding from start to finish. Throughout an 18month journey to finally find the right property their diligence, perseverance, and professionalism never wavered. Working in Brunei made it nigh on impossible to secure a UK mortgage in the currency we earn, but Liquid Expat worked tirelessly to find a solution and make it happen.

Thanks to their expertise and unwavering support, we were able not only to secure a mortgage as UK expats from overseas, but to successfully complete on our home last week. Being overseas, their communication is a real standout and a major reason we have now used them more than once and would confidently recommended them to others. If you’re an expat struggling to find a mortgage, or your circumstances are outside the ‘ordinary’ don’t waste your time looking elsewhere.

February 27, 2026
Unprompted review

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