Mortgages for foreign nationals and expats: what UK lenders look for
Buying UK property from overseas is very achievable with the right lender. Here is what shapes the decision.
Owning UK property while living or earning abroad is common among our clients, and it is very achievable. The high street is often cautious, but private banks and specialist lenders arrange this routinely, provided the case is presented properly.
Who this is for
British expats, foreign nationals buying a UK home or investment, and clients paid in a foreign currency. You do not need to be resident in the UK to borrow here, and you do not need to live in the country you are buying from. Our international service is built around exactly these situations.
What lenders assess
Income currency and stability, country of residence, visa or residency status where relevant, and the source of your deposit. Lenders price for currency risk and want clean, evidenced documentation. With the right lender matched to your profile, rates and terms are often far better than borrowers expect.
This article is for information only and does not constitute financial advice. Your home may be repossessed if you do not keep up repayments on your mortgage.
Discuss your situation with a private-client adviser
Whatever your circumstances, we’ll tell you honestly what’s achievable.
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