Overseas National Mortgages for Buying in the UK
Access specialist mortgages for non-UK residents, with tailored lending, competitive rates, and guidance throughout your property purchase.
Access Specialist BTL Lenders
Over 120 UK lenders providing competitive limited company mortgage solutions
Mortgage-Tek connects landlords to lenders who specialise in limited company BTL mortgages. We secure competitive rates,
flexible terms, and expert guidance for property investment and portfolio growth.
Understanding Overseas National Mortgages
Mortgages designed for non-UK residents purchasing UK property
An overseas national mortgage is a specialist product that allows non-UK residents to purchase or remortgage UK property. Lenders consider international income, credit history, and deposit size. These mortgages cater to expatriates, foreign nationals, and those living abroad, often including flexible repayment structures and documentation requirements for proof of overseas income and assets.
Choose the Right Mortgage for Overseas Nationals
Flexible options for expatriates, foreign nationals, and non-UK residents
Residential Overseas National Mortgages
Secure a mortgage to buy your main home or investment property in the UK, with lenders considering overseas income and international creditworthiness.
Remortgage Options for Overseas Nationals
Allows non-resident homeowners to refinance or release equity, taking into account foreign income, credit history, and property value.
Buy-to-Let Overseas National Mortgages
Designed for non-UK residents investing in rental properties, assessing projected rental income and overseas earnings to structure repayments effectively.
Flexible International Income Mortgages
Some lenders accept diverse sources of overseas income, including employment, pensions, or investments, offering tailored mortgage solutions for non-UK borrowers.
Is an Overseas National Mortgage Right for You?
Ideal for non-UK residents purchasing property in the UK
Overseas national mortgages suit expatriates, foreign nationals, and international investors seeking to purchase or remortgage property in the UK while living abroad.
- UK property purchase for expatriates or returning residents
- Foreign nationals investing in residential or buy-to-let properties
- Non-UK residents remortgaging or releasing equity from existing property
- Individuals with overseas income or foreign assets supporting affordability
- Investors seeking flexible terms for international property financing
What Lenders Will Assess
Core factors for overseas national mortgage approval
Income and Employment
Lenders assess overseas income, employment contracts, or pensions, often requiring translation and verification for affordability calculations.
Deposit Requirements
Typical deposits range from 20–40%, depending on lender, property type, and borrower nationality.
Credit History
International credit checks are conducted, and lenders may consider foreign credit reports alongside any UK credit history.
Property Eligibility
 Eligible properties must meet UK lender requirements, typically standard construction, good repair, and freehold or long leasehold.
How Much Can I Borrow Calculator
Borrowing based on overseas income, deposit, and lender criteria
The borrowing amount depends on your deposit, property value, and overseas income. Specialist lenders may offer different loan-to-value ratios for non-residents. Mortgage-Tek provides personalised assessments to determine maximum borrowing safely while considering international income and financial commitments.
Your Estimated Borrowing Amount
Expert Guidance for Non-UK Residents
Specialist advice for expatriates, foreign nationals, and overseas property investors
 Mortgage-Tek provides expert guidance for overseas nationals, helping non-residents navigate lender requirements,
foreign income verification, and international documentation to secure suitable UK mortgage products.
Specialist Lender Access
We work with lenders experienced in overseas national mortgages, ensuring access to competitive rates and flexible products tailored for expatriates and foreign nationals.
International Income Assessment
We accurately assess overseas employment, pensions, and other income sources to structure mortgage applications, ensuring maximum borrowing potential.
Tailored Mortgage Solutions
We provide residential, buy-to-let, and remortgage options designed specifically for non-UK residents’ needs and long-term investment goals.
Transparent Cost Guidance
We explain fees, interest rates, and repayment structures clearly, helping clients make informed decisions on UK property financing.
End-to-End Support
From initial assessment to completion, we liaise with lenders, solicitors, and international banks to ensure smooth processing for overseas clients.
Regulated and Responsible Advice
All advice complies with FCA regulations, providing ethical, compliant, and safe guidance for non-UK residents purchasing property in the UK.
FAQs
Can I get a UK mortgage if I live abroad?
Yes, specialist lenders offer products for expatriates, foreign nationals, and non-UK residents, considering overseas income and assets for affordability.
What deposit do I need as an overseas national?
Typically 20–40%, depending on lender, nationality, property type, and risk assessment.
Do lenders accept overseas income?
Yes, many lenders assess foreign salaries, pensions, and investments, often requiring verification and translation.
Can I remortgage a UK property from abroad?
Yes, specialist remortgage options exist for non-residents, factoring in foreign income and property value.
Are interest rates higher for overseas nationals?
Rates may be slightly higher due to additional risk, but competitive options are available with specialist lenders.
Can I buy a buy-to-let property as a non-resident?
Yes, buy-to-let mortgages for overseas nationals consider rental income and foreign earnings to assess affordability.
How long does the process take?
Applications usually take 6–10 weeks, depending on property valuation, international documentation, and lender processing.