expat buy to let mortgages

Clifton private finance

We can help source mortgage finance for non UK citizens in excess of £500k on residential and commercial property transactions in the UK

The UK rental market is a popular investment for foreign nationals and British ex-pats, but these groups often struggle to access buy-to-let mortgages from high street lenders.
Fortunately, there are a range of private lenders in the UK who offer buy-to-let finance on UK property to non-UK residents. These lenders judge borrowers on an individual basis, offering more flexibility with their lending criteria.

Clifton Private Finance has extensive experience in finding buy-to-let mortgages for UK non-residents using our wide network of contacts in the private banking sector.

We offer our clients:

  • Residential and commercial buy-to-let mortgages from £100k to £25m.
  • The option to leverage assets such as your investment portfolio, other property and pensions to negotiate more flexible lending criteria and interest rates.
  • Access to high street and private banks, specialist lenders, family offices and wealth managers. We also have access to private investor funds.
  • Enhanced, bespoke or exclusive terms to match your unique requirements.
Get in touch with one of our buy-to-let mortgage brokers today to discuss your options for financing a buy-to-let property purchase as a UK non-resident.
Call Clifton Private Finance now on 0117 959 5094 or use our contact form below to discuss your requirements.

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Contact Us


We offer a specialist mortgage service for non-UK citizens providing:

Our service provides expert help to high earning clients outside of the UK, including those with complex incomes. 
Call Clifton Private Finance today on 0117 959 5094 to discuss your requirements.


Expat buy-to-let mortgages

Many British expats like to keep a foot in the UK property market, both as an investment and in case they decide to return to the UK in the future.

If you are a UK ex-pat, a buy-to-let mortgage can allow you to buy a property to rent out, or let you refinance your former home so you can rent it out while you are abroad.

Private lenders will usually allow you to borrow on a UK property, no matter where you are based in the world, and will not be put off by salary in a foreign currency or complex income streams.

Unlike a standard high street buy-to-let mortgage, the amount you can borrow may not be entirely dependent on the property’s rental income. Many private lenders will take your income into account as well if requested.

UK buy-to-let mortgages for foreign nationals

If you are a foreign national living outside of the UK, this should be no barrier to investing in the UK rental market. Many foreign investors make good returns as landlords in the UK using buy-to-let finance from private lenders.

Find the best interest rates on buy-to-let mortgages for UK non-residents

Whether you are a British expat or foreign national, you will need to use a UK-based, FCA regulated mortgage broker, such as Clifton Private Finance, when applying for a UK mortgage from abroad. Thanks to our established relationships with all the top lenders, our buy-to-let mortgage brokers can help you access the best rates currently available, quickly and efficiently.

Fill out the contact form above or call Clifton Private Finance today on 0117 959 5094
to speak to a member of our mortgage team.
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