Mortgage for EU national

Mortgage for EU national

Clifton private finance


We are experts in helping UK expats, non domiciles and foreign nationals secure mortgage & short term finance 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.

Property Finance Deals

Low-cost £1.23M bridging loan with flexible terms
Home counties
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Fast UK Mortgage for home purchase for returning British expat and foreign national partner
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UK mortgage for returned Australian resident with complex income
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UK expat mortgage for British doctor resident in Canada buying new-build London home
West London
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Quick completion for a US-dollar client reclassified as non-expat
North London
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BTL remortgage and resi purchase for returning UK expat airline exec
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More Opportunities »

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UK Mortgage For EU Nationals and Permanent Residency

There are lenders that are willing to provide UK mortgages to those with EU citizenship. However, these lenders often only grant UK mortgages to EU nationals with permanent residency or indefinite leave to stay.

Permanent residency can be secured through an application to the UK government. However, you will have to meet the government’s criteria.

Permanent Residency For EU Nationals

If you are a foreign national with EU citizenship, then you will need to meet the following criteria to secure permanent residency:

If you do not meet the criteria above, then you may still be able to secure a UK mortgage. Call us to find out what mortgage options are available to you.

UK Mortgage For EU National Case Study

Here at Clifton Private Finance, we have experience in arranging UK mortgages for EU nationals to purchase properties in the UK.

Our client, a high value earner EU national, wanted to purchase a residential home for his family in Bath worth £1M.

His family had been renting the property in Bath for two years when their landlord indicated that he wanted to sell.

Unfortunately, the landlord of the client’s family home could not afford to wait and would likely accept the first offer. This meant that the client was in danger of losing his family’s rented accommodation to another buyer.

Due to his complex income, foreign currency salary and location, every high street bank rejected his application property finance.

We recognised the client’s needs and understood why his family would not want to move from the property they had lived in for two years.

We approached a private bank and were able to secure a £750,000 interest-only mortgage for our client.

We were able to negotiate and obtain an owner-occupied, regulated, residential mortgage with a rare loan to value of 75%. This unique financial solution enabled the client to buy the property in Bath and secure a family home for his UK based relatives.

If you are an EU national and you need a mortgage, then we can help. Contact us on +44 203 900 4322 or fill in out callback form above
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If you have any questions about our services or want to start making things happen please contact us