Buy To Let Mortgages For Foreign Nationals

Buy to let mortgages for foreign nationals

Clifton private finance

Buy to let mortgages for foreign nationals

We are experts in helping UK expats, non domiciles and foreign nationals secure buy to let mortgages on UK property.

Through our connections we can source finance from UK banks who offer bespoke mortgages & shorter term finance products designed specifically for internationally based clients, which often offer attractive interest rates and flexible loan terms.

  • We can source residential and investment property finance from £150,000 to £25m
  • Market leading interest rates
  • Terms from 3 months to 30 years
  • Interest only and interest roll up options (no monthly payments)
  • Pre approval terms within 24 hours
  • Solutions for complex income
  • Mortgage finance for those working in the UK but paid in a foreign currency
  • Property finance solutions for UK nationals working abroad with families remaining in the UK
  • If you have assets that you would like to be leveraged as part of the transaction such as your investment portfolio, other property or pensions; our team can look at leveraging these assets to negotiate more flexible lending criteria and more favourable interest rates, to help you get the best deal
  • We have strong relationships with UK and international banks including private banks and specialist lenders, family offices and wealth managers
Our strength is our ability to access a wide range of funding solutions from high street and private banks, specialist lenders, family offices and wealth managers. We also have connections with private investor fund groups.
Call us on 0203 900 3040 to discuss your requirements.

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Quick completion for a US-dollar client reclassified as non-expat
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Changes To The Buy To Let Mortgage Market

There have been a number of changes to the buy to let mortgage market that have affected the way lenders consider mortgage applications.

Paid In Foreign Currency

If you are a foreign national looking for a buy to let mortgage, you may find it difficult to secure a mortgage with a high street lender.

The European Commission introduced the Mortgage Credit Directive, which ensured any foreign currency mortgage lender had to have an arrangement in place to limit the exchange rate risk to which the consumer is exposed.

As a result, the majority of lenders withdrew their foreign currency mortgage services; lenders argued that foreign currency mortgages are no longer cost effective.

If you are a foreign national paid in foreign currency and you need a mortgage, call us to explore your mortgage options.

Paid In Sterling

There are lenders that are prepared to provide mortgages to foreign nationals. However, recent regulation changes introduced by the Prudential Regulation Authority have altered the way lenders consider buy to let mortgage applications.

Lenders will implement an in-depth income stress test to ensure that applicants can afford mortgage repayments in the event that the interest rate increases to 5.5%.

For applicants with multiple properties, lenders will review the applicant’s entire property portfolio to ensure all of the applicant’s properties are profitable. Lenders will not provide a buy to let mortgage to foreign nationals with buy to let properties that are not profitable.

Lenders will require applicants to have a rental coverage ratio of up to 145% for standard buy to lets and 170% for houses in multiple occupation.

If you are unable to meet the criteria set by traditional lenders, it may still be possible to secure a buy to let mortgage. Call us on +44 203 900 4322 or fill in our callback form.
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If you have any questions about our services or want to start making things happen please contact us