UK Mortgages for Foreign Nationals in 2025: Complete Buyer’s Guide

The UK property market remains one of the most attractive in the world, with foreign investors, professionals, and families keen to buy homes here. However, if you’re a non-UK national, securing a foreign national mortgage can be more complex than a standard UK mortgage.

At WIS Mortgages, we work with specialist lenders who understand the unique challenges faced by foreign nationals. In this guide, we’ll explain how a mortgage for foreign nationals works in 2025, what lenders require, and how to improve your chances of approval.

Key Takeaways: Mortgages for Foreign Nationals in the UK

• Foreign nationals can get mortgages in the UK, but eligibility depends on visa type, residency, and deposit.
• Minimum deposits are usually 15–25%, higher for overseas buyers.
• Lenders assess visa status, UK credit history, and employment.
• Specialist lenders and expat mortgage options are available if high-street banks decline.
• Foreign nationals pay a 2% SDLT surcharge and may face additional tax obligations.
• Working with a specialist broker like WIS Mortgages boosts approval chances.

Can You Get a Foreign National Mortgage in the UK?

Yes — a mortgage for foreign nationals is available, but requirements depend on your residency, visa type, and financial profile.

• Foreign nationals living in the UK: May qualify for mortgages with high-street or specialist lenders.
• Foreign nationals living abroad: Typically need an expat mortgage or international lender.

Lender Requirements for a Mortgage for Foreign Nationals

UK lenders are stricter with non-UK nationals because of higher perceived risk. Typical factors include:

• Visa status: Some visas are more widely accepted than others.
• Length of UK residence: Lenders usually prefer 6–24 months of UK history.
• Employment: Stable UK-based employment improves eligibility.
• Credit history: A UK credit file helps, though some lenders accept international reports.
• Deposit size: Larger deposits (15–25%+) reduce lender risk and unlock better rates.

Visa Eligibility for a Foreign National Mortgage in the UK

Visa status plays a crucial role in securing a mortgage. Here’s how lenders view common visa types:

If your visa is due to expire soon, lenders may require evidence of renewal or continued employment.

Foreign National Mortgage Deposit Requirements in the UK

Deposit expectations for foreign nationals are generally higher:

• With permanent residency or ILR: 5–10% deposit.
• With a valid visa but no ILR: 15–25% deposit.
• Overseas buyers / non-residents: 25%+ deposit, especially for Buy to Let

Tip: A larger deposit not only increases approval chances but also improves access to competitive interest rates.

Documents Required for a Foreign National Mortgage

When applying, you’ll need:

• Valid passport
• Visa or residency permit
• Proof of income (payslips, contracts, or company accounts)
• UK and overseas bank statements
• Proof of deposit (savings, gifted funds, or property sale)
• UK credit report (if available)

Some lenders may ask for additional documents if your income is based overseas.

Challenges for Foreign Nationals Securing a Mortgage

• Limited UK credit history makes affordability harder to prove.
• Higher deposits are usually required.
• Fewer lender options compared to UK citizens.
• Short-term visas reduce eligibility.
• Overseas income can make lenders cautious.

Real-World Example: Securing a Foreign National Mortgage

At WIS Mortgages, we recently helped a foreign national client buy a UK property with a 10% deposit. The main challenge was transferring overseas funds and a lack of UK credit history. By improving their UK credit profile (registering to vote, managing accounts) and safely transferring funds, we secured a suitable mortgage within a year of their arrival in the UK.

Specialist Lenders and Expat Mortgages

If high-street banks reject your application, specialist lenders may offer solutions such as:

• Shorter UK residence requirements
• Consideration of international credit reports
• Expat mortgages for buyers living abroad but investing in the UK

These mortgages may carry higher rates but provide essential access for foreign nationals.

Tax and Legal Considerations for Foreign Nationals

Buying property in the UK involves extra tax considerations:

• Stamp Duty Land Tax (SDLT): 2% surcharge for overseas buyers.
• Capital Gains Tax (CGT): Payable on profit when selling UK property.
• Income Tax: Rental income is taxable in the UK.
• Non-resident landlord scheme: Overseas landlords must register with HMRC.

Always seek tax advice alongside mortgage guidance.

Alternatives to Standard Foreign National Mortgages

If you struggle to qualify, consider:

• Joint Borrower Sole Proprietor (JBSP) mortgages – a UK relative boosts affordability.
• Guarantor mortgages – a UK guarantor backs your application.
• International banks – cross-border lending may be an option.
• Cash purchase – common among foreign investors.

Step-by-Step Checklist: Applying for a Foreign National Mortgage

1. Confirm your visa eligibility.
2. Build a UK credit file (register to vote, open accounts, use credit responsibly).
3. Save a larger deposit (15–25%+).
4. Gather all documents (passport, visa, payslips, bank statements).
5. Speak to a specialist broker like WIS Mortgages to access suitable lenders.
6. Factor in extra costs (SDLT surcharge, CGT, legal fees).

FAQs About Foreign National Mortgages in the UK

Which banks offer foreign national mortgages in the UK?
Some high-street banks may offer them, but specialist lenders are usually more flexible.

Can I get a UK mortgage without indefinite leave to remain?
Yes, but expect higher deposit requirements and stricter criteria.

Do foreign nationals pay higher mortgage rates?
Sometimes specialist products may carry slightly higher rates.

How much deposit do foreign nationals need?
15–25% is typical, 25%+ for overseas buyers.

Can I get a Buy to Let mortgage as a foreign national?
Yes, but expect higher deposits and fewer lender options.

Let WIS Mortgages Help You Secure a Foreign National Mortgage

Buying property in the UK as a foreign national is more complex, but entirely possible with the right advice. At WIS Mortgages, we specialise in helping foreign nationals, expats, and international buyers find the right mortgage.

Contact WIS Mortgages today to explore your options.

Important

Your home may be repossessed if you do not keep up with repayments on your mortgage.

This article is for general information only and does not constitute financial advice. Always speak to an FCA-authorised adviser before making financial decisions. Product availability and criteria are subject to change. Accurate as of September 2025.