UK Mortgages for Foreign Nationals

We place large mortgages for clients both inside and outside the UK.

If you are a foreign national residing outside of, or in the UK and are interested in purchasing or re-mortgaging a property in the UK, we might be able to help.

Assisting clients globally to secure finance against a UK property, can be a complex process. However, we have a great deal of experience in putting cases for foreign national mortgages together and presenting them to lenders successfully.

If you are looking to make a purchase, or re-mortgage a current residential UK property, our team of specialist brokers are happy to advise you. Whether it’s a new main residence for your family or a pied-á-tierre, a residential mortgage is an exciting and sometimes challenging milestone. If you are a current UK property owner you may wish to re-mortgage your residential or Buy to Let property for a number of reasons, these could include: getting a better rate, raising capital or refurbishing a property. To help you find the most suitable mortgage it is a good idea to talk to a mortgage adviser who specialises in arranging mortgages for foreign nationals.

Similarly, if you are looking to invest in a Buy to Let for the first time, expand your portfolio of properties in the UK or remortgage an existing one; we can talk you through the various options that might be available and help you navigate the potential complexities of obtaining a mortgage as a foreign national. If you would like to arrange a foreign national mortgage call us on 020 7519 4900, to talk to through your options with one of our specialist mortgage advisers.

Things we need to consider when arranging mortgages for foreign nationals

There are some factors which will impact on how easy it will be for you to place a mortgage as a foreign national, that are important to consider.

  • The location of the property – A centrally located, prime property in London or the Home Counties is favoured by most lenders. There are fewer lending options available outside of these areas.
  • The size of the deposit – A deposit of at least 25%, preferably 35%, is often required.
  • The source of funds – The source of your funds for your mortgage must be traceable to make a successful application.
  • Your employment status – If you are employed by a multinational organisation, your income will be easier to prove and your case is more likely to be accepted. A reference from an international accountant must be provided if you own your own business or are self-employed.
  • Net worth and net assets – In respect to your net worth and net assets, the more liquid they are, the better. Holding cash and shares, rather than property, will open the door to a wider range of lenders.
  • Borrowing over a million – It is important to consider that if you are not a UK resident, or if the majority of your income is generated internationally, generally you will need to borrow over £1 million. Placing Assets Under Management (AUM) with the lender may give you access broader choice of lenders.

Buying through a Special Purpose Vehicle (SPV)

If you are buying through an SPV we will need to know where it is located, as well as receive a personal guarantee for the SPV. It is possible to get a lender on board if you wish to purchase through an SPV, however, this will depend upon its location and structure type. Please do not hesitate to get in touch with us if you would like to place a large mortgage for a UK property through an SPV.

We place large mortgages for clients both inside and outside the UK, through our access to 84 global lenders. We are have arranged mortgages in the UK for foreign national clients who reside in the Far East, the USA, Africa, and Europe, successfully overcoming barriers to funding, whilst adhering to client’s specific requests. We aim to make the process as smooth as possible for our clients, regardless of how complex their needs.

We strive to successfully arrange a competitive mortgage for you, whether it be for a residential or Buy to Let property, which is specifically tailored to your needs as a foreign national. We are on hand whenever you may need our assistance, taking time differences into consideration when making contact with you, during each part of the process, as well as after your mortgage has completed. If you would like to discuss arranging a foreign national mortgage with one of our specialist mortgage advisers, call us on 020 7519 4900 or send us an email.

The Financial Conduct Authority does not regulate some aspects of foreign currency mortgages, overseas mortgages and Buy to Let mortgages.

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We place large mortgages for clients both inside and outside the UK.

Your home or property may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it. Changes in the exchange rate may increase the sterling equivalent of your debt. You may have to pay an early repayment charge to your existing lender if you remortgage. Think carefully before securing any other debts against your home. is a trading name of Ltd, Aegon House, Ground Floor Suite, 13 Lanark Square, London, E14 9QD authorised and regulated by the Financial Conduct Authority (FCA). Our FCA registration number is 302228 and can be viewed by visiting the FCA website: The FCA does not regulate tax advice or some aspects of commercial, buy to let, overseas mortgages, bridging finance, finance and asset lending. Ltd is a licensed credit broker, and not a lender. Ltd Registered in England and Wales No: 5070990 Registered Address: As above. The guidance and advice contained within the website are subject to the UK regulatory regime and is primarily targeted at UK customers. Calls may be recorded for training and monitoring.
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Largemortgageloans is a trading name of Ltd, Aegon House, Ground Floor Suite, 13 Lanark Square, London