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

London Law Firm Partner Mortgage With Low Deposit
Area
London
Capital Raised
£1.7M
Refinance 27 Buy To Let Properties to Purchase a Residential Property
Area
London
Capital Raised
£7.35M
Fast Bridging Loan In London
Area
London
Capital Raised
£885K

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

Living In Singapore? 4 Ways A UK Expat Can Get A UK Mortgage
Singapore, Hong Kong, Tokyo – regardless of where you are in Asia right now, if you’re a UK ex-pat and living or worki...
11-06-2018
How To Get A Property Development Loan For A House In London
Many of the enquiries that we assist our client with at Clifton Private Finance are for property development loans for houses in L...
07-06-2018
How To Get A UK Mortgage When Living And Working Abroad
If you’re a British expat considering buying a property in the UK or remortgaging an existing home there are a few challenge...
01-06-2018
How To Get A Large Commercial Mortgage
We’re often approached by clients existing and new for help in securing business mortgages and commercial investment mortgag...
21-05-2018
View More »
Get in Touch

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