Foundation has updated its range across the direct to lender and packaged range. Brilliant Solutions offers fees free packaging across the range as well as direct to lender access with payment on completion.
Guiding Expat Investment in a Complex Buy to Let Market
We’re seeing continued demand from expat investors, but the buy to let market is becoming more complex and specialist led. Brokers play a key role in helping overseas landlords navigate opportunities, structure finance and build resilient portfolios.
- Shift Towards Specialist Property Types
Growth is strongest in specialist assets such as HMOs, holiday lets and MUFBs, offering higher yields and diversification. - A More Professional Expat Investor
Expat landlords are increasingly focused on professionalising portfolios, seeking flexible, sustainable, long-term returns. - The Need for Specialist Lending
Foreign income, complex employment and tax considerations mean expat cases often require manual underwriting and tailored solutions. - Greater Complexity in Property Finance
Specialist properties demand deeper expertise across licensing, valuation and rental modelling aligned to real landlord strategies.
What We’re Seeing at Foundation
Supporting expat landlords is increasingly about bringing together flexibility, specialist knowledge and a practical understanding of more complex borrower needs. While opportunities in the market remain strong, they’re also becoming more nuanced. For brokers, the value lies in helping clients cut through that complexity and make confident, well-structured decisions, supported by lenders who can take a common-sense view and help make mortgages happen.
As part of this approach, we launched new Property Plus Expat 2 and 5 Year products on Tuesday 23 June, available up to 75% LTV, with rates of 6.39% and 6.49% respectively, both with a 2% fee. Sitting within the wider Property Plus range, they’re designed to support expat borrowers and specialist property cases where a more flexible, individually assessed underwriting approach can make a meaningful difference.
To learn more about how we’re making mortgages happen for your landlord clients, visit our website today.