Expat Mortgages

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Mortgages for Non-UK Residents

If you are a non-UK resident living in the UK and are looking to purchase a property there are a few things you need to consider.

Can I find a mortgage if I am a non-UK resident?

You can find a mortgage as a non-UK resident, however it’s easier to find a suitable mortgage product if:

  • You have a permanent job
  • Have been in the UK for two years or more
  • Have a UK bank account
  • Have a good credit history in the UK

Sometimes lenders will shy away from non-UK residents due to their financial or residential status being subject to change and limited information on their previous credit history.

You can still find mortgages in the UK if you are a non-UK resident, but you may need to search for specialist lenders. You can use Mortgage Advisers to help you do so.

Do I need a UK bank account?

All Mortgage Lenders require you to have a UK bank account if you want to purchase property in the UK. If you already have property in the UK, then it will be easier for you to find a new mortgage, or an additional one if you are an investor, as you would have already approached a lender for your first mortgage.

How can I improve my chances of getting a mortgage as a non-UK resident?

Make sure to have your finances in order and that you are showing a good credit history in the UK. It is important to keep up with the payments you already have going out and you stay out of your overdraft.

You need to ensure that you have a UK bank account, registered to a UK address, this could be your rental property or a friend or family member’s address.

Consistent, demonstrable UK employment is a key factor for lenders to feel confident about your mortgage application.

Gather yourself a bigger deposit ready to provide to the lender. The bigger the deposit, the less the risk for the lender and it could be more likely that they will accept your mortgage application.

What If I live with a UK national?

If you submit a joint mortgage application with a UK national, it could help your chances of securing a mortgage. You may not have many mortgage deals to choose from, but one could be the most suitable option for you.

Can non-UK residents access Buy to Let mortgages?

In recent years, more and more non-UK residents are beginning to invest in property in the UK. Following the drop in the value of the pound as a result of Brexit, non-UK residents with sufficient funds in foregin currency can take advantage of the exchange rate to purchase property in the UK, often for investment reasons.

Non-UK residents can access Buy to Let mortgages and there is a range out there to explore. It is important to keep in mind that Buy to Let mortgages aren’t always regulated and authorised by the Financial Conduct Authority and it is worth seeking a Mortgage Adviser to ensure that all commitments are legitimate.

What is the best mortgage type for non-UK residents?

The best mortgage type for you will depend upon your own financial situation and what you want from your mortgage. As a non-UK resident your situation can be quite complex, and it can be worth seeking expert advice from a Mortgage Broker.

There are a number of banks and building societies that offer expatriate mortgages too, but it would be worth searching the market too as they tend to bring higher interest rates and fees than with standard residential mortgages.

How can a What Life & Mortgages Mortgage Broker help?

Our brokers know what is required from you to hear that you have been accepted onto a mortgage by a lender. They will be able to point you to the best lenders given your situation and cater completely towards your needs. As an expat it can be daunting putting your money overseas and a broker can ensure you know your commitments before you make them.

Mortgage Brokers are authorised and regulated by the Financial Conduct Authority and are qualified to give the financial advice that you require. They will help ensure that you have all your documents together and have the strongest chance of being accepted onto a mortgage deal before approaching a lender.

As a non-UK resident, it can be very rewarding getting in touch with a Mortgage Adviser as they have access to exclusive deals and lenders that cannot be found by searching for a mortgage alone. Get in touch with a member of the team today, general questions will not incur a fee and we can take the stress out of your mortgage application.


The Financial Conduct Authority does not regulate most Buy to Let Mortgages