Specialist

Foreign National Mortgages

For buying and remortgaging UK property

Speak to us today...

Foreign National Mortgages

Clifton private finance

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

Foreign nationals often have difficulty accessing UK mortgage 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 EU and non EU foreign nationals. 
  • Mortgage & short term finance from £250,000 to £100 million
  • 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

Book Appointment

 
Recent

Property Finance Deals

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
Mortgage for Returning Expat Before Starting New UK Role
Mortgage for Returning Expat Before Starting New UK Role
Area
Epping
Capital Raised
£550k
Date
July 2025

More Opportunities »

Mortgages For 
Foreign Nationals

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 we can often help depending on your requirements.

Factors that will determine foreign nationals living abroad:

For more information on your options 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

Aged 70 Plus? How to Get a Mortgage
The mortgage landscape for retirees may not look quite the same as it does for people in their 20s, 30s, and 40s, but that doesn&r...
22-08-2025
Is Equity Release Tax Free
Is Equity Release Tax-Free? The simple answer is yes, equity release is tax-free, as you don't need to pay income or capital gain...
22-08-2025
HELOC Home Equity Lines of Credit
One of the most powerful finance options available to homeowners in the UK is the HELOC, or Home Equity Line of Credit. A product...
22-08-2025
How Do Buy-to-Let Mortgages Work?
Buy-to-Let (BTL) mortgages are the staple financial product for landlords across the UK. When tailored well to your needs, a BTL m...
20-08-2025
View More »
Get in Touch

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