Foreign Nationals
Are you a foreign national interested in the UK seeking a mortgage? We’re here to help you secure the right mortgage. While exploring the mortgage market can be daunting, our team is dedicated to making the process straightforward and accessible.
Let’s find your
dream home here, together!
With our expertise and connections, we'll help you secure the right mortgage. Let's make your dream of owning a home here a reality!
We are here to answer any questions you may have
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Yes, you can! While some lenders may have stricter criteria for foreign nationals, there are plenty of options available. We work with a range of lenders, including those who specialise in mortgages for foreign nationals, and can guide you through the process to find the best solution for your circumstances.
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You’ll typically need to provide proof of identity (passport or visa), proof of your right to reside in the UK, proof of income (payslips or tax returns), bank statements, and a utility bill as proof of address. Our team will help you understand exactly what’s required and assist you in preparing the necessary documents.
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It depends on your residency status and your credit history in the UK. While some lenders may require a slightly higher deposit (usually around 20-25%), others may accept lower deposits, especially if you have been living and working in the UK for more than three years. We’ll explore all options to find a lender that meets your needs.
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Yes, some lenders will consider foreign income, but it might require additional documentation, such as translated bank statements or proof of employment. We specialise in working with lenders who understand international income and can present your financial situation in the best way possible.
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Your visa status can impact your mortgage options, but it doesn’t mean you can’t secure a mortgage. Certain visa types are more readily accepted by lenders, while others may require additional checks. Our experts understand the nuances of different visa statuses and can guide you through the best options available.
Learn more about our Client Experience.
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Meet Roman and Sofia
Roman and Sofia, a couple originally from France, are currently living in London and have a dream of buying their own home. Roman works as a software engineer, while Sofia is a talented interior designer with a passion for creating beautiful spaces.
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Why did Roman and Sofia come to us?
They approached us to help navigate the complexities of securing a mortgage as foreign nationals living in the UK. Even though they were residents, they encountered challenges in understanding lender requirements and gathering the necessary documentation, which left them feeling uncertain about their options.
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What did we do to help?
Leveraging our extensive knowledge of the mortgage market, we conducted a detailed assessment of their financial situation. We walked them through the specific requirements for foreign nationals and helped them compile the necessary documents. Our team also connected them with lenders experienced in working with foreign applicants, ensuring they felt supported throughout the process.
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The outcome
Success! With our guidance, Roman and Sofia secured a mortgage that met their needs and budget. They are now proud homeowners in London, ready to create lasting memories in their new home. By providing tailored solutions and expert advice, we helped them navigate a complex journey, turning their dream of homeownership into reality.
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Get in Touch
If you have any questions about securing a mortgage as a foreign national, don’t hesitate to reach out. We’re here to make the process easy and guide you every step of the way. Let’s get started on your journey to homeownership in the UK.