Specialist

Mortgages For Non UK Residents

For Buying & Refinancing Property In The UK

Mortgages For Non UK Residents

Clifton private finance

We can help source mortgages for non UK residents on residential and commercial property transactions in the UK

Specialist mortgage service if you looking to buy or refinance UK property if you are a non UK residents.
Clifton Private Finance regularly find mortgages for non residents looking to buy property in the UK.

We offer our clients:

  • Residential and buy to let mortgages from £100,000
  • Expat & foreign nationals up to 90% LTV
  • Self-Build now available for Expats up to 80% LTV
  • Self Employed Expats accepted on BTL & Holiday Let applications
  • Four Applicants & Four Incomes accepted on Expat applications
  • Gifted Deposit accepted on Expat applications
  • Irish Passport holders treated as British Passport holders for Expat applications
  • Market leading rates
  • Finance solutions for clients with complex income
  • Need to move fast? Bridging loan options to help secure a UK property
  • 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 +44 117 959 5094 to discuss your requirements or book an appointment using the link below.
 
Recent

Property Finance Deals

£2.2M Buy-to-Let Mortgage for Dubai Expat Investment Property
£2.2M Buy-to-Let Mortgage for Dubai Expat Investment Property
Area
Cirencester
Capital Raised
£2.2M
Date
December 2025
Holiday Let Mortgage Secured for UK Expats Living in the US
Holiday Let Mortgage Secured for UK Expats Living in the US
Area
Guildford
Capital Raised
£525k
Date
August 2025
Flexible Mortgage for Expat Executive Returning from Denmark
Flexible Mortgage for Expat Executive Returning from Denmark
Area
Wallingford
Capital Raised
£550k
Date
July 2025

More Opportunities »

Contact Us

MORTGAGE BROKERS FOR NON-UK RESIDENTS

We offer a specialist UK mortgage service for non-UK residents, providing:

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How to get a mortgage on UK property as a non-UK resident

British expats and foreign nationals looking for a mortgage on a UK property will normally need to apply through a mortgage broker. This is because the private banks and other specialise lenders who offer mortgages for UK non-residents do not usually lend directly to the public.

When looking for a mortgage broker, it is a strongly recommended that you find an independent broker with whole-of-market access as they will be able to offer you the very best deals currently available from all the top lenders.

How much can you borrow on a UK mortgage as a non-UK resident?

Private lenders often allow international borrowers to take out mortgages for up to 75% of a property’s value and higher depending on your circumstances. The total amount you can borrow is usually much higher with a private bank than with a high street lenders and mortgage finance usually starts from £500,000.

One factor which is likely to allow you to borrow more with a private lender is that they are usually much more flexible when it comes to assessing your income. Unlike high street lenders, private banks will normally be happy to consider income in a foreign currency as well as from stocks, shares and other investments. This can make a big difference to affordability calculations and thus how much you can borrow.

Find the best interest rates on mortgages for non-UK residents

Clifton Private Finance is a UK-based, FCA regulated specialist mortgage broker. Thanks to our established connections with all the UK’s top lenders, we can quickly find you the best rates currently available on mortgages for non-residents buying UK property.

Call us on +44 117 959 5094 to discuss your requirements or book an appointment using the link below.

Book Appointment

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