Mortgages For Non-UK Citizens

Non-UK citizens often have difficulty accessing mortgages to buy property in the UK due to the strict and inflexible lending criteria of many high street lenders.

We can connect you to UK specialist lenders and arrange bespoke mortgages and short term finance designed specifically for non-UK citizens buying or refinancing UK property. 

Our Services for Non-UK Citizens Include:

• Mortgages & short-term finance from £100,000 to £100 million
• Terms from 3 months to 30 years
• Interest-only and interest roll-up options (no monthly payments)
• Mortgages for individuals, limited companies, partnerships and trusts
• Access to residential and commercial property finance (including buy to let mortgages)
• The option to leverage assets such as your investment portfolio, other property and pensions to negotiate more flexible lending criteria and interest rates
• We have strong relationships with UK and International banks including private banks and specialist lenders
• Bespoke terms to match your unique requirements

Want more tips on securing a UK mortgage as an expat? Watch our short video below.

As a specialist finance broker, we have extensive experience in finding mortgages for foreign nationals:

Through our market knowledge, we can deliver bespoke terms based on your requirements.  

Call us on +44 203 900 4322 to discuss your requirements.

Or you can book a free consultation with one of our expert advisors at a convenient time for you, below.

Book Consultation

Specialist Mortgages for Non-UK Citizens

• Expert advice on mortgage finance in excess of £100,000
• Advice on complex income
• Access to banks that provide non-UK citizen mortgage solutions
• Short and long-term lending options
• Professional service

Mortgage Requirements for Foreign Nationals Living in the UK

Mortgages offered by high street banks in the UK are generally restricted to those with permanent residency who have lived and worked in the UK for at least 3 years. If you have lived in the UK for less than 3 years, you may still be able to get a mortgage from a private lender.

The exact rules for foreign nationals applying for a mortgage in the UK will depend on whether you are from the EU or from a country outside of the EU.

Mortgages for EU Citizens

If you are an EU citizen, you will normally have a traceable credit history, making it more straightforward to get a mortgage.

You should be able to apply for a standard UK mortgage if:

• You have been resident in the EU for more than 3 years
• You have a UK bank account
• You have a permanent job in the UK

Mortgages for Non-EU Citizens

If you are from a country outside the UK, you will not normally have a traceable credit history. This does not mean you won’t be able to get a mortgage, but may restrict which lenders you will be able to borrow from.

To qualify for a standard UK mortgage you should:

• Have been resident in UK for more than 2 years
• Have a permanent job in the UK
• Have permanent residence rights in the UK, or a UK Work Permit
• Have a UK bank account

Getting a Mortgage with a UK Work Permit

If you are in the UK on a UK Work Permit, you should be able to get a mortgage as long as you meet the other standard requirements. Some lenders will prefer you to have at least 2 years left on your work permit, but other lenders are more flexible.

How Much Can I Borrow as a Non UK Citizen?

How much you can borrow through a mortgage as a non UK citizen mainly depends on your income. Typically in the UK you can borrow up to 4.5 times your annual income, however, this ratio can be higher depending on the lender you use and the type of income you're earning. 

Things can get complicated if:

• You have multiple sources of income
• You haven't lived in the UK for long
• Your income is unstable
• You have a poor or inconsistent credit history
• You're buying an unusual property
• You have a low deposit (and you're borrowing at a high LTV)

Mortgages for British Expats and Foreign Nationals Living Abroad

If you are a British expat or foreign nationals living outside of the UK using a specialist mortgage broker is advisable to ensure you find the right finance.

Watch our video below on how we recently helped a UK secure a mortgage despite earning in a foreign currency:

Through our market knowledge, we can deliver bespoke terms based on your requirements.  

Call us on +44 203 900 4322 to discuss your requirements.

Or you can book a free consultation with one of our expert advisors at a convenient time for you, below.

Book Consultation