Overseas Borrower – Mortgages for Non-UK Residents

This section of our website is focussed on the Overseas Borrower or Foreign National who wants to:

  • Buy one or more properties in the UK with the aid of a UK mortgage. First time buyers and first-time landlords accepted.
  • Refinance an existing property already owned which is situated in the UK.
  • Borrow additional money on a UK property already owned by way of a further advance or second charge.
  • Bridging finance can also be arranged for the overseas based borrower. This is suitable for an individual or a company that wants to invest in the UK property market.

As well as mortgages on UK residential property, we can also help overseas borrowers raise commercial mortgage finance on commercial property.

We have had successes with clients wishing to purchase care homes, fast food outlets as well as small units for manufacturing and storage.

Basic Criteria Requirements

All applications are looked at on an individual basis. As mortgage brokers we have around 140 lenders to choose from.

Collectively we can source a mortgage for you from a handful of lenders who will lend to foreign national clients who reside overseas.

Interest rates vary between 3.5% to 8% depending on circumstances, however, it is important to look at both the interest rate and cash return amount when deciding.

  • 25% Deposit Required (proof of deposit required)
  • Minimum Property Value is £100,000
  • Minimum Loan Size is £75,000
  • Must be prepared to travel to the UK to open a UK bank account unless there is an international branch of a UK bank where the applicant resides.
  • Must be prepared to fly into the UK and meet with the solicitor before purchase is complete.
  • Lending to Individuals, UK Limited Companies (SPV – Special Purpose Vehicle) and overseas/offshore companies.

There are many terms for overseas locals looking to buy a property in the UK with the aid of a mortgage such as:

  • Mortgages for Non-UK Residents
  • Overseas Borrower or Overseas Investor Clients
  • Mortgage for Foreign Nationals
  • Foreign National or International Buyer Mortgages
  • Mortgages for International Residents.

How We Can Help You

Our clients benefit from our customer-focused and personalised approach, giving them peace of mind and as much involvement in the project as desired. 

By understanding your true requirements and matching you with the most suitable lenders, we will match you with the best financial solution in an efficient and timely manner.

  • Qualified commercial and residential advisers
  • Specialists in property finance
  • Passionate and experienced team
  • Access to whole of market
  • Fast decision making
  • Secure the best finance solution for your property investment

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