Can non-UK residents get a mortgage in the UK?

Yes, non-UK residents can get a mortgage in the UK. Many lenders offer specialist mortgage products for foreign nationals and expatriates, though requirements and terms may vary based on residency status, income source, and employment type.

What documents do I need for a non-UK resident mortgage?

Required documents typically include valid passport, proof of residency abroad, international income verification (payslips, tax returns), UK or international credit history, and proof of deposit. Additional documents may be required depending on your circumstances.

What deposit is required for non-UK resident mortgages?

Non-UK residents typically need a larger deposit, usually between 25-40% of the property value. The exact amount depends on your residency status, income source, and the lender's requirements.

Mortgages for Non-UK Residents | International Property Finance

Introduction
Eligibility Criteria
Application Process
Mortgage Calculator
Why Choose Us
Frequently Asked Questions
Next Steps

Overview: Mortgages for Non-UK Residents

Looking to buy property in the UK while living abroad? We work with specialist lenders who offer mortgage products tailored to non-UK residents, including foreign nationals and expatriates. Whether you're purchasing a home or an investment property, we can help guide you through the process.

Applying for a mortgage as a non-UK resident can present unique challenges, from proving overseas income to navigating different documentation requirements. However, with the right advice and access to international-friendly lenders, securing a mortgage for non-UK residents is entirely achievable.

We support foreign nationals, expatriates, and international investors by matching them with lenders who understand complex income profiles and global documentation standards.

Learn More About Mortgages for Non-UK Residents

Eligibility Criteria for Non-UK Residents

Who Can Apply?

Foreign nationals or expatriates not currently residing in the UK

Joint applicants, where one party is a UK resident

Individuals purchasing residential or investment property in the UK

Lender Considerations

Employment type (e.g., salaried, self-employed, contract)

Income origin and currency

Residency and visa status (where applicable)

Property type and intended use

Documents Typically Required

Valid passport and proof of residency abroad

Proof of income (international payslips, tax returns)

UK or international credit history

Proof of deposit

Instant Mortgage Quoting

Use the quick and simple quotation system to get a mortgage quote in seconds.

Example Mortgage Calculation

Annual Income £120,000

Deposit Amount £60,000

Potential Borrowing Up to £480,000

Note: All calculations are indicative and subject to individual affordability and full lender assessment.

Common Challenges for Non-UK Applicants

Proof of Income

Especially when documents are in non-English languages or from less common jurisdictions

International Credit History

May require additional documentation if UK history is unavailable

Deposit Requirements

Typically higher than for UK residents (often 25–40% minimum)

Application Process

Our streamlined process makes getting your non-UK resident mortgage straightforward:

Initial Assessment

We evaluate your eligibility and requirements.

Review your residency status
Assess your income sources
Discuss property requirements

Documentation

We help you gather all necessary documents.

Proof of identity and residency
Income verification documents
Property documentation

Application & Assessment

We handle the application process on your behalf.

Submit to suitable lenders
Coordinate property valuation
Manage the underwriting process

Offer & Completion

We guide you through to completion.

Review mortgage offers
Coordinate with solicitors
Support through completion

Benefits of Non-UK Resident Mortgages

Access to the UK Property Market – Without needing to reside in the UK
Joint Mortgage Flexibility – Improve eligibility by applying with a UK resident
Competitive Rates – A number of specialist lenders offer competitive terms

Ready to Get Started?

Learn more about how we can help you secure a UK mortgage as a non-resident

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Available Mortgage Products

Product Type	Features	Best For
Expat Mortgage	Special rates for UK expatriates	UK citizens living abroad
Foreign National Mortgage	Flexible terms for non-UK citizens	Non-UK citizens buying in the UK
International Buy-to-Let	Specialist lending for overseas investors	Non-resident property investors
High Net Worth Mortgage	Tailored solutions for high-value properties	High-net-worth individuals

Mortgages for Non-UK Residents

Table of Contents

Overview: Mortgages for Non-UK Residents