Specialist

Expat Buy To Let Mortgage

For Buying & Refinancing Property In The UK

mortgages for non uk citizens

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

Many British expats choose to invest in rental property in the UK or to rent out their former homes when they move abroad.
As an expat you may struggle to get a buy-to-let mortgage with a UK high street lender, but there are many private lenders who specialise in lending to expats. They often have more flexible lending criteria, perfect for UK non-residents.
Clifton Private Finance has extensive experience in finding buy-to-let mortgage finance for UK expats, plus a wide range of established contacts in the private banking sector.

This allows us to offer our clients:

  • Residential and commercial buy-to-let mortgages from £250k 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.
Call us on 0203 880 8890 to discuss your requirements.

Book Appointment

 
Recent

Property Finance Deals

£2M Remortgage for High-Net-Worth Expat Client with Complex Income Profile
£2M Remortgage for High-Net-Worth Expat Client with Complex Income Profile
Area
International
Capital Raised
£2M
Date
February 2026
£2.2M Buy-to-Let Mortgage for Dubai Expat Investment Property
£2.2M Buy-to-Let Mortgage for Dubai Expat Investment Property
Area
Cirencester
Capital Raised
£2.2M
Date
December 2025
£5.25M Mortgage Secured for Ultra High Net Worth Australian National with Global Assets
£5.25M Mortgage Secured for Ultra High Net Worth Australian National with Global Assets
Area
London
Capital Raised
£5.25M
Date
August 2025

More Opportunities »

Contact Us

EXPAT BUY-TO-LET MORTGAGE SERVICE

We offer a specialist mortgage service for British expats, providing:

Our service provides expert help to expats looking to invest in the UK rental market. 
Call us 0203 880 8890 to discuss your requirements.

  

Where can you find expat buy-to-let finance?

Buy-to-let mortgages are generally only available to expats from private lenders and some intermediary-only subsidiaries of high street banks. This means you will need to apply using a mortgage broker, as most of these lenders do not work directly with the public.

How much can you borrow with an expat buy-to-let mortgage?

With a standard buy-to-let mortgage, the lender will normally want the monthly rental income to be equal to around 125-145% of the monthly interest payments. However, while private lenders will also look at the monthly rental income, they also tend to be willing to consider your other income as well when calculating affordability, meaning you can often borrow more.

The good news for expats, is the private lenders usually look at your whole income, not just your salary, meaning anything you earn from stocks, shares and other investments can also be considered. Being paid in a foreign currency is also not normally an issue.

In general, private lenders offer much higher levels of borrowing than high street lenders, with £1million plus mortgage finance available. They will often ask for at least a 25% deposit, although this depends on the lender and your circumstances.

Fill out the contact form above or us 0203 880 8890
to speak to a member of our finance team.
What Our

Clients Say

Latest

Property Finance Deals & Insight

A sunny, high-angle view of the orange-roofed cityscape of Lisbon, Portugal, with the 25 de Abril Bridge in the background over the Tagus River.
With its warm climate and relaxed pace of life, Portugal has become a strong contender for expats looking to leave the UK for a mo...
12-03-2026
The weathered facade of a derelict stone house with old wooden doors and windows, representing an abandoned property with renovation potential.
There are now more than 700,000 empty homes in England, and many of these neglected dwellings have been abandoned by their owners....
09-03-2026
A street view of a row of traditional Victorian terraced houses, many of which are leasehold properties affected by UK property law reform.
Hailed as the most significant change in property ownership since William the Conqueror divided up land into parcels after 1066, t...
05-03-2026
A row of ornate, traditional buildings in Lille, France, with colourful shutters, representing one of the best places for British expats to live.
Our nearest mainland European neighbour, France offers British expats a new take on life. Close enough to maintain ties to the UK,...
04-03-2026
View More »
Get in Touch

If you have any questions about our services or want to start making things happen please contact us