Foreign National Mortgages for Property in the UK
Specialist mortgages for foreign nationals, with tailored lending, flexible terms, and support navigating UK property purchase requirements.
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Over 120 UK lenders providing competitive limited company mortgage solutions
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flexible terms, and expert guidance for property investment and portfolio growth.
Understanding Foreign National Mortgages
Mortgages designed for non-UK residents and international buyers
A foreign national mortgage is a specialist product enabling non-UK residents to purchase or remortgage property in the UK. Lenders assess overseas income, international credit history, and deposit size. These mortgages accommodate expatriates, foreign nationals, and investors, often including flexible repayment terms, allowances for international documentation, and specific eligibility criteria tailored for non-resident borrowers.
Choose the Right Mortgage for Foreign Nationals
Flexible options for international buyers and investors
Residential Foreign National Mortgages
Secure financing to purchase your main home or investment property in the UK, considering overseas income and international credit history for affordability assessment.
Buy-to-Let Foreign National Mortgages
Designed for foreign investors purchasing rental properties, accounting for projected rental income alongside international earnings to structure repayments efficiently.
Remortgage Options for Foreign Nationals
Allows non-residents to refinance or release equity from existing UK property, factoring overseas income, foreign credit history, and property value.
Flexible International Income Mortgages
Some lenders accept multiple overseas income sources including employment, pensions, or investments, providing tailored lending solutions for foreign nationals.
Is a Foreign National Mortgage Right for You?
Ideal for expatriates, foreign nationals, and international property investors
Foreign national mortgages suit individuals or companies living abroad or holding international residency, who wish to purchase, remortgage, or invest in UK property.
- Non-UK residents buying residential property in the UK
- Foreign nationals seeking buy-to-let or investment properties
- Individuals remortgaging existing UK property from abroad
- Expatriates with international income or assets supporting affordability
- Investors requiring flexible mortgage terms for cross-border property financing
What Lenders Will Assess
Core factors for foreign national mortgage approval
Income and Employment
Lenders evaluate overseas income, pensions, or employment contracts, often requiring verification, translation, and proof of long-term stability for affordability calculations.
Deposit Requirements
Deposits usually range from 20–40%, depending on lender, nationality, property type, and perceived lending risk.
Credit History
Lenders check international credit history and may also consider UK credit if available, ensuring borrowers demonstrate financial reliability.
Property Eligibility
 Property must meet lender requirements, typically standard construction, good repair, and freehold or long leasehold status.
How Much Can I Borrow Calculator
Borrowing based on overseas income, deposit, and lender criteria
Borrowing amounts depend on deposit, property value, and overseas income. Specialist lenders often apply specific loan-to-value ratios for non-residents. Mortgage-Tek provides personalised calculations to determine safe maximum borrowing while factoring international income and financial commitments.
Your Estimated Borrowing Amount
Expert Guidance for International Buyers
Specialist advice for foreign nationals and expatriates purchasing UK property
Mortgage-Tek provides expert guidance for foreign nationals, helping clients navigate lender requirements, verify overseas income,
and manage international documentation to secure suitable UK mortgage products efficiently.
Specialist Lender Access
We connect foreign nationals with lenders experienced in non-resident mortgages, providing competitive rates, flexible terms, and specialist underwriting for international buyers.
International Income Assessment
We evaluate foreign salaries, pensions, and investments accurately to structure applications for maximum borrowing potential and lender approval.
Tailored Mortgage Solutions
We provide residential, buy-to-let, and remortgage options customised for international buyers and expatriates seeking UK property.
Transparent Cost Guidance
We explain all fees, interest rates, and repayment terms clearly, helping clients make informed financial decisions with confidence.
End-to-End Support
From initial enquiry to completion, we liaise with lenders, solicitors, and international banks to ensure a smooth process for foreign nationals.
Regulated and Responsible Advice
All guidance complies with FCA regulations, providing ethical, transparent, and safe advice tailored to international borrowers.
FAQs
Can I get a UK mortgage if I live abroad?
Yes, specialist lenders provide foreign national mortgages for expatriates, non-residents, and international investors, assessing overseas income and assets for affordability.
What deposit do I need?
Typically 20–40%, depending on lender, nationality, property type, and risk assessment.
Do lenders accept overseas income?
Yes, lenders often accept salaries, pensions, and investments abroad, with verification and translation required.
Can I remortgage a UK property from abroad?
Yes, specialist remortgage options allow non-residents to refinance, release equity, or access better rates.
Are interest rates higher for foreign nationals?
Rates may be slightly higher due to risk factors, but competitive products are available via specialist lenders.
Can I buy buy-to-let property as a foreign national?
Yes, lenders assess rental income alongside international earnings to structure mortgage affordability.
How long does the process take?
Applications typically take 6–10 weeks, depending on property valuation, international documentation, and lender processing times.