UK property,Wherever you live.
Buying property in the UK from overseas, or while living here on a visa, narrows the choice of lender but does not close it. We work with lenders used to foreign income, overseas residency and international paperwork and manage the process across time zones.
How we help
We act for expatriates, overseas residents and foreign nationals living in the UK, for both homes and investment property.
Lenders that accept income paid in other currencies, with a clear explanation of how each treats exchange rates.
Options for those living and working in the UK without settled status, depending on visa type and time remaining.
British citizens working abroad who are buying or refinancing property in the UK.
Meetings by video, documents handled electronically and coordination with UK solicitors on your behalf.
Typical scenarios
Illustrative examples of the situations we are asked to help with. They are not accounts of individual clients.
A British couple working in Dubai buying a home in the UK for their eventual return.
We approach lenders with expatriate products and establish how their overseas income will be evidenced.A professional on a Skilled Worker visa, two years into a role in London, buying a first UK home.
We identify lenders that will lend on that visa and the deposit each will expect.A buyer resident in Singapore purchasing a London flat to let.
We arrange buy-to-let finance with a lender that accepts overseas landlords and explain the additional costs involved.Frequently
asked questions
Can non-UK residents get a UK mortgage?
Yes, from a smaller range of lenders. Deposits are typically larger and the documentation more extensive.
Do I need a UK credit history?
Not always. Some lenders will lend without one, relying on overseas credit references and bank statements.
How much deposit will I need?
Commonly 25% or more for overseas residents, though it depends on the lender, the property and your circumstances.
Is there additional stamp duty?
Buyers who are not UK resident usually pay a surcharge on purchases in England and Northern Ireland. You should confirm the tax position with your solicitor.
Can everything be done remotely?
In most cases, yes. Some lenders and solicitors require documents to be certified locally and we explain what is needed.
Speak with us today
Tell us where you live, how you are paid and what you would like to buy. The first conversation is without obligation.
Your home may be repossessed if you do not keep up repayments on your mortgage. Changes in the exchange rate may increase the sterling equivalent of your debt. Lending is subject to status, lender criteria and individual circumstances.