Finspace Group

Comparing Expat Mortgages to Buy

UK Property Is Now Easy

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


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.  

Finspace FAQs

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



& Funding

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

Our clients say.

As a new start-up developer, with a clear focus on delivering high-quality, contemporary homes that support the drive to mitigate climate change we have been extremely well-supported by [Finspace], as we looked to navigate the wealth of finance options out there in the market.

By Newly Incorporated Developer

Despite all the complexities, (Finspace) were able to secure a lender to enable us to commence our project immediately.


The line of communication is always open regardless of the day, night, or weekend, valuing the client’s needs over and above everything else. We are looking to do another project (with Finspace) and we have no hesitation in commending them.





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