Lockhart Murphy International · Germany
UK mortgages for German residents
Based in Frankfurt, Munich, Berlin or Hamburg and looking to buy, refinance or invest in UK property? We provide specialist UK mortgage advice built around euro-denominated income and EU residency, including for German and other EU nationals since the UK left the European Union.
A well-established market, with new considerations since Brexit
Germany has long been one of the more established European markets for UK property purchases. The main change over recent years has been immigration status — since the UK left the EU, German and other EU nationals are assessed on residency and right-to-reside questions that didn’t previously apply, alongside the usual income and deposit evidence.
Lockhart Murphy is UK-based and regulated for UK mortgage business. We are not licensed or regulated in Germany. This page does not constitute advice on German or EU law or tax matters.
Who this is for
- Germany-based professionals. Working in Frankfurt, Munich, Berlin or Hamburg and buying UK property to live in, let out or invest in.
- Business owners and executives. Income structured through a German company or a mix of salary and bonus.
- German and other EU nationals. Post-Brexit, EU nationals are assessed on residency and immigration status alongside income and deposit.
- UK expats in Germany. British nationals living and working in Germany who still want a foothold in the UK property market.
What we'll need to understand
Income currency and evidence
Euro-denominated salary and bonus and, for business owners, how company income is structured and evidenced.
Residency and immigration status
Since the UK left the EU, a German or other EU national's UK immigration status is a routine part of the assessment.
Source of funds
Deposits held in German banks and the documentation UK lenders and solicitors will expect.
Property and purpose
Whether you're buying a London base, a family home or a buy-to-let investment.
Your Adviser
International and complex cases
Yazdaan leads Lockhart Murphy as Managing Director and has arranged more than £200 million in lending across a genuinely broad range of complex and high-value cases, including clients based overseas.
Meet YazdaanFrequently asked questions
Has Brexit changed things for German buyers?
It's changed the immigration-status questions a lender will ask, but German and other EU nationals can still buy UK property and access UK mortgages — we'll talk through what's relevant to your situation.
Can you help if my income is in euros?
Yes — euro-denominated income is a routine part of international cases. We'll guide you through how it's evidenced for a UK lender's assessment.
Do I need to be a UK resident to get a mortgage?
No — non-UK residents can access UK mortgage products, though the range of available lenders and rates differs from a UK-resident application.
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.