Comparing Expat Mortgages to Buy UK Property Is Now Easy

Now UK lenders offer customised mortgages to non-UK citizens for buying property.

4.9 Out of 5

Expat Mortgages For Non-UK Nationals

Expat Mortages For Non-UK Nationals

You don’t have to be a UK citizen to get a buy-to-let mortgage, and it’s entirely possible to get a property in the UK without residing here. However, it can be more complex, and interest rates tend to be higher if you aren’t already a UK resident.

Depending on where you reside, nationality, salary and savings there are a number of banks willing to lend to acquire properties in the UK.

Can I get a mortgage without indefinite leave to remain in status?

Every year thousands of individuals without indefinite leave apply for mortgages in the UK, whether that is to finance a permanent property purchase for a family home or as a buy-to-let investment.

How long do I need on my visa to apply for a mortgage in the UK?

If you are a UK resident, most lenders prefer a visa with more than three years, and some accept two. This requirement is not there for non-UK residents.

How much can I borrow on a mortgage as a non-UK citizen?

The amounts of funds you can borrow depend on the following factors: 

  • The property you are purchasing
  • The amount of deposit available
  • Your yearly income
  • Stability of income
  • Your credit history 

Our Process

Simply tell us a little about your business and we’ll be in touch to talk through possible solutions tailored specifically to you


Decision in Principle

Surveyor Instruction

Legal Instruction

Agreement & Funding

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How we can help?

FinSpace is a master broker with access to over 130+ lenders based in central London covering the UK and Wales. Our team of 30+ experts will talk you through the application process and package your application from start to finish. We can browse the market and ensure to provide you with market-leading competitive rates to suit your circumstances.

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