Lockhart Murphy International
UK property finance for international buyers.
Complex income. International wealth. UK property. Whether you’re based in Dubai, Riyadh, Doha, New York or Frankfurt, we understand the additional complexity involved when a borrower earns income overseas, holds assets internationally or doesn’t fit conventional UK mortgage underwriting — with particular emphasis on London and prime UK property.
A specialist proposition, not a generic form
Overseas income
Salary, business income or dividends earned outside the UK, in any currency.
International assets and companies
Wealth and income structured through companies or holdings outside the UK.
Deposits held overseas
Funds and source-of-funds evidence originating outside the UK banking system.
Non-UK residency
Buying, refinancing or investing in UK property while resident overseas.
International mortgage eligibility — at a glance
- UK residency required
- No — overseas buyers considered; non-UK nationals accepted
- Maximum LTV
- Up to 75–80% for UK nationals abroad; 60–75% for non-UK nationals — subject to lender and profile
- Accepted income currencies
- USD, AED, EUR, HKD, SGD, CHF and others — specialist lenders apply a sterling conversion; foreign-currency haircut typically 15–25%
- UK credit history
- Not required — specialist lenders assess overseas employment, residency and assets rather than a UK credit file
- Minimum deposit
- Typically 20–25% (non-UK nationals); sometimes 15% for British nationals working abroad
- Source of funds
- International bank accounts acceptable; full audit trail and origin of funds documentation required by UK solicitors and lenders
- Property types
- Residential purchase, buy-to-let, prime London, UK investment property — all considered
- Regulated by
- Lockhart Murphy is authorised and regulated by the FCA (No. 843041) for UK mortgage business only
Criteria at time of review, September 2026. Individual lender criteria vary and may change without notice.
Your Adviser
Complex income. International wealth. UK property.
Yazdaan leads Lockhart Murphy as Managing Director. Over eight years, he’s arranged more than £250 million in lending across a genuinely broad range of cases — from footballers and other high-net-worth clients to complex, commercial and international transactions — and is director of a number of other companies alongside his advisory work.
Meet YazdaanMarkets we support
We work with buyers and investors based around the world. The following markets have dedicated guidance — if yours isn’t listed, get in touch anyway.
We also regularly assist clients based in Bahrain, Oman and other markets not listed above. Wherever you’re based, the starting point is the same conversation about your income, assets and plans.
Lockhart Murphy
UK mortgages for overseas buyers and international clients.
Overseas income, foreign currency earnings, non-UK residency and international assets — all considered by specialist lenders with direct experience of cross-border cases.
Related specialist advice
Concierge-led, not form-led.
Tell us about your plans and we’ll come back to you personally — complex or high-value enquiries are always reviewed by an adviser rather than given an automated answer.
Looking for a managed property search? Lockhart Murphy Concierge →
Ask Murphy
Buying UK property from abroad? Start here.
Murphy can explain how UK mortgages work for overseas buyers, what lenders look for when income is earned abroad and how the process differs from buying as a UK resident — before you speak to Yazdaan.
Handled by AI — all international mortgage enquiries are reviewed personally by a qualified adviser.
Lockhart Murphy is UK-based and advises on UK-regulated mortgage contracts. We are not licensed or regulated in any country other than the UK and do not provide overseas legal, tax or immigration advice. Product availability depends on individual circumstances, lender criteria and your country of residence.
Your home or property may be repossessed if you do not keep up repayments on your mortgage or other loans secured upon it.