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.

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Contact Us


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