UK Mortgage for Foreign Nationals

A foreign national UK mortgage is exactly what it sounds like: a UK mortgage written for a borrower who is not a UK national, who often lives outside the UK, who earns their income in a non-sterling currency and who in many cases has never held a UK bank account, address or credit file. The high street simply cannot underwrite these clients - their automated decisioning needs UK residency, a UK address history and UK credit footprint as a baseline.

The specialist market is where these mortgages actually get written. We work with private banks, international banks with UK lending arms and specialist UK lenders that have built dedicated foreign-national books. Each one has its own appetite for nationality, country of residence, currency, profession, purpose of purchase and minimum loan size.

We arrange mortgages from £250k up to £25m+ on residential, buy-to-let, mixed-use and commercial UK property for clients living anywhere in the world. There is no requirement to hold a UK address, a UK bank account or a UK credit file. There is no requirement to have ever visited the UK. Many of our clients complete the entire transaction remotely.

Income can be evidenced in any major currency: USD, EUR, AED, SGD, HKD, AUD, CAD, JPY, CHF, ZAR and others all welcome. Salaried, self-employed, business owner, professional, investor and trust-distribution income all considered. Bonus and dividend income often fully counted on a multi-year track record.

Borrowing structures we regularly arrange: individual name, joint, BVI/Cayman/Jersey SPV, Delaware LLC, family trust and offshore structure. The lender selection is largely driven by which structure you intend to hold the property in, so we frame this at the start of the conversation, not the end.