Specialist

Mortgages For Non-UK Citizens

For buying and remortgaging UK property

Speak to us today...

mortgages for non uk citizens

Clifton private finance

We can help source mortgage finance for non UK citizens in excess of £250k on residential, commercial & buy to let property transactions in the UK

Non-UK citizens often have difficulty accessing mortgages to buy property in the UK due to the strict and inflexible lending criteria of many high street lenders.
The good news is a number of UK specialist lenders offer bespoke mortgages and short term finance designed specifically for non-UK citizens buying or refinancing UK property. 
  • Mortgage & short term finance from £150,000
  • Terms from 3 months to 30 years
  • Interest only and interest roll up options (no monthly payments)
  • Mortgages for individuals, limited companies, partnerships and trusts
  • Access to residential and commercial property finance (including buy to let mortgages)
  • The option to leverage assets such as your investment portfolio, other property and pensions to negotiate more flexible lending criteria and interest rates
  • We have strong relationships with UK and International banks including private banks and specialist lenders
  • Bespoke terms to match your unique requirements
As a specialist finance broker we have extensive experience in finding mortgages for foreign nationals:
Call us on +44 203 900 4322
Recent

Property Finance Deals

Interest only mortgage with flexible overpayment for UK expat in Bahamas
Area
Bath
Capital Raised
£1.35M
Splitting land titles on a country estate allows purchase with residential and buy to let mortgages
Area
Buckinghamshire
Capital Raised
£3.08M
Challenging a surveyor’s opinion on Grenfell-type ACM cladding for a mortgage on a central London apartment block
Area
Marylebone
Capital Raised
£278K

More Opportunities »

Contact Us

Mortgages For 
Non-UK Citizens

Specialist mortgage service for non UK citizens providing:

Our service provides expert help to non resident high earner clients who might have complex income arrangements. 
Call us today on +44 203 900 4322 to discuss your requirements. 

Mortgages for Foreign Nationals Living in the UK

Mortgages offered by high street banks in the UK are generally restricted to those with permanent residency who have lived and worked in the UK for at least 3 years. If you have lived in the UK for less than 3 years, you may still be able to get a mortgage from a private lender.

The exact rules for foreign nationals applying for a mortgage in the UK will depend on whether you are from the EU or from a country outside of the EU.

Mortgages for EU-citizens

If you are an EU citizen, you will normally have a traceable credit history, making it more straightforward to get a mortgage.

You should be able to apply for a standard UK mortgage if:

Mortgages for Non-EU citizens

If you are from a country outside the UK, you will not normally have a traceable credit history. This does not mean you won’t be able to get a mortgage, but may restrict which lenders you will be able to borrow from.

To qualify for a standard UK mortgage you should:

Getting a mortgage with a UK Work Permit

If you are in the UK on a UK Work Permit, you should be able to get a mortgage as long as you meet the other standard requirements. Some lenders will prefer you to have at least 2 years left on your work permit, but other lenders are more flexible.

Mortgages for British Expats and Foreign Nationals Living Abroad

If you are a British expat or foreign nationals living outside of the UK using a specialist mortgage broker is advisable to ensure you find the right finance.

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

Clients Say

Latest

Property Finance Deals & Insight

Seafarers and ships’ crew: a complete guide to getting a low-cost UK mortgage
When is an expatriate borrower not an expat? When they’re ships’ crew… It’s complicated enough applying ...
21-02-2019
What is top slicing in buy to let mortgage borrowing?
And how can it help your application for a mortgage to buy a rental property? The origin of the term is lost in the mists of time...
14-02-2019
How to use short term finance to buy a house
If you’re keen to buy, but waiting for a property to sell, or a mortgage to be approved, a short-term bridging loan turns yo...
12-02-2019
A 10 year fixed rate mortgage with no exit penalties after 5 years
Hard to believe, but true. The certainty of a long-term fixed rate mortgage has always been attractive, but the hefty penalties if...
07-02-2019
View More »
Get in Touch

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