Emma (Sally Lindsay) dreams of a new start. Divorced from Pete (Neil Morrissey) and estranged from her embittered daughter, she escapes her dull life for a holiday in Cyprus. There she gets chatting to Niko (Gerald Kyd), the handsome, wealthy owner of the hotel.
Niko sweeps Emma off her feet – trips to secluded beaches, romantic meals and making love with carefree abandon - and when he suggests she move into a beautiful villa with him, Emma - to the horror of her loved ones - makes the huge decision to turn her back on her life in the UK.
When Niko needs what he says is a short-term loan to complete the villa purchase, Emma happily lends him the money. But then Niko, her money and her dreams of a new life disappear.
Desperate, she sets out to find him and get her money back, descending into a shadowy underworld of conmen where nothing is at is seems, and uncovering an even more twisted truth as she battles for justice. Starting out as an escapist fantasy in the sun, Love Rat transforms into a terrifying psychological thriller.