Expat Mortgage For UK Buy To Let Properties

For Buying & Refinancing Property In The UK

Expat Mortgages For UK Buy To Let Properties

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

Rental property in the UK can be a good investment for expats, if you have the right buy to let finance in place.
High street lenders will not normally lend to people resident outside the UK, but there are a number of private lenders with more flexible lending criteria who regularly offer buy to let mortgages to expats.
Clifton Private Finance finds expat mortgages for UK buy to let properties on a regular basis, taking advantage of our many established contacts in the private banking sector.

We 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 +44 203 900 4322 to discuss your requirements.

Property Finance Deals

Low-cost £1.23M bridging loan with flexible terms
Home counties
Capital Raised
£2M-plus bridge to buy new home plus rental property while awaiting sale of Sussex country house
East Sussex
Capital Raised
Bridge finance for Channel Islands resident to build new Guernsey home
Capital Raised
£2.6M 100% LTV residential bridging loan secured against 3 properties
Capital Raised
£3.3M Remortgage of Large Multi-Unit Portfolio at Highest-Possible LTV
Capital Raised
Fast UK Mortgage for home purchase for returning British expat and foreign national partner
Capital Raised

More Opportunities »

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 Clifton Private Finance today on +44 203 900 4322 to discuss your requirements.


How to apply for an expat buy to let mortgage

Because buy to let mortgages are only usually available to expats through private lenders, you will need to apply via a finance broker with connections in the private banking section. This is because private banks do not normally deal directly with the public.

We can structure buy to let finance that best suits your circumstances.

Lending criteria for expat buy to let finance

Lending criteria for expat mortgages tend to be fairly flexible as private banks look at lenders as individuals, rather than trying to fit them into a set of pre-determined conditions, as high street lenders do.

This means that issues such as salary paid in a foreign currency, on complex income (including from stocks and shares) need not be an issue as they would be with some lenders. Private lenders are also likely to consider your other income as well as the property’s rental income when calculating affordability.

Some lenders may require you to provide a 25% deposit to qualify for a buy-to-let mortgage as an expat, but his depends on the lender and your personal circumstances.

Find the best deals on expat mortgages for UK buy to let properties

Clifton Private Finance is a UK-based, FCA regulated mortgage broker with extensive experience in finding buy to let mortgages for British expats. We have established connections with leading UK & International lenders.

Fill out the contact form above or call Clifton Private Finance today on +44 203 900 4322 
to speak to a member of our finance team.
What Our

Clients Say


Property Finance Deals & Insight

Mortgages For Over 60s - What Are My Options?
If you are 60 or older & you need to borrow in later life, there are mortgage options available. Even in your 90s, there might...
Can I get a mortgage for 5 or 6 times my salary?
There ARE "5x, 5.5x" out there, offering maximum borrowings on your earnings. How can you get your hands on one of them? It&rsq...
How to get refurbishment finance for a buy to let property
If you're looking to buy a property to generate rental income, finding one that needs significant renovation can allow you to gr...
How to get a mortgage for a mixed-use country estate
Commercial income from rural outbuildings is an attractive proposition for potential buyers of substantial rural properties. But i...
View More »
Get in Touch

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