Mortgages · Foreign Nationals
UK mortgages for foreign nationals and overseas buyers.
Not a UK national or UK resident? You can still access UK mortgage products — the range of lenders and rates available depends on your residency, income currency and immigration status. Getting matched to the right lender from the outset makes a real difference.
Why this needs specialist lender knowledge
Most UK mortgage products are designed around UK-resident, UK-employed applicants with an established UK credit history. Foreign nationals and overseas buyers fall outside that template in one way or another — whether that's residency status, income currency, a limited UK credit footprint or funds and assets held overseas — and only a specialist panel of lenders considers these cases properly.
If you’re buying from outside the UK, our Lockhart Murphy International service is built specifically around overseas income, international assets and non-UK residency, including dedicated guidance for a number of key markets.
Who this is for
- Non-UK nationals buying UK property
- Non-UK residents, wherever you're based
- Income earned and paid in a foreign currency
- Assets or companies held outside the UK
- Recently arrived in the UK with limited credit history
- Buying as an investment rather than to live in
How it works
Tell us your situation
Your residency, nationality, income and what you're looking to buy.
Lender matching
A smaller, specialist panel of lenders considers non-UK-resident and foreign-national applicants.
Adviser match
Your case is handled by an adviser experienced in international and complex cases.
Agreement in Principle
Move to a formal lender AIP once terms are agreed.
Your home or property may be repossessed if you do not keep up repayments on your mortgage or other loans secured upon it.