Getting a UK Mortgage with no ties to the UK

Whether you’re looking to invest in property in the UK or remortgage an existing buy to let in the UK, we help non UK residents navigate the mortgage process from wherever they are.

Getting a UK mortgage while living abroad with no ties to the UK is more difficult than a standard mortgage application due to the increased risk for lenders, but also your circumstances.

Your location, your income, your employment history. Some lenders may be comfortable with your circumstances, whilst others may not be.

That is where specialist advice can make a difference.

We can help with:

• Buying a property in the UK while living overseas with no ties to the UK.
• Remortgaging a UK property while living overseas with no ties to the UK.
• First-time buyers living abroad while living overseas with no ties to the UK.

How we help

1 – Understand your circumstances

We start the process by getting to know your full situation, income, employment, expenditure, existing properties and plans for the future.

2 – Identify suitable lenders

Not every lender treats expat applications in the same way. We look at the details of your circumstances and identify mortgage options available to you.

3 – Submit your application

We understand what documents are required and present your application to the lender clearly.

4 – Manage the process

From your initial enquiry through to completion, we help guide you through the process and keep you informed along the way.

 

Frequently Asked Questions

Can a non-UK resident get a UK buy-to-let mortgage?

Yes, it may be possible for a non-UK resident to obtain a UK buy-to-let mortgage. Lenders have different criteria for overseas applicants and may consider factors including country of residence, income, currency, deposit and the property being purchased.

Can I get a UK mortgage if I have no UK ties?

Some lenders may consider applications from borrowers who have limited or no current UK ties. The criteria can vary significantly between lenders and will depend on your individual circumstances.

Can I buy a UK property while living overseas?

Yes, it may be possible to buy a UK property while living overseas. If the property is being purchased as an investment, you may need a buy-to-let mortgage that accepts non-UK resident applicants.

Can I remortgage a UK buy-to-let property while living abroad?

It may be possible to remortgage an existing UK buy-to-let property while living overseas. Your country of residence, income, property and existing mortgage will all be relevant to the application.

Can I get a buy-to-let mortgage with overseas income?

Some lenders may accept overseas or foreign currency income when assessing a buy-to-let mortgage application. The currencies accepted and the method of assessment vary between lenders.

Can I get a UK buy-to-let mortgage if I am a first-time property investor?

Some lenders may consider first-time UK property investors who live overseas. The availability of mortgage options will depend on your individual circumstances and the lender’s criteria.