British Banks and Lenders

British Banks and Lenders

British Banks and Lenders - British banks and lenders offer a wide range of mortgage products. In many instances, British banks and lenders are subject to regulation from the Financial Conduct Authority and bound by decisions of the Financial Ombudsman Service. The range of mortgage products available from British banks and lenders, and the rates they offer, are affected by the Bank of England base rate of interest and movements in the wider economy.

Obtaining a mortgage from British banks and lenders as a foreign national can be harder to achieve than for British citizens as lenders require proof of income and other details to assure that mortgage payments can be met. There are no restrictions on individuals from within the European Economic Area (EEA) concerning living and working in the UK, making it comparatively easy for them to gain a mortgage from British banks and lenders. Individuals from outside the EEA are required to have the relevant visa and need to be able to prove their entitlement to stay in the UK for a certain period to apply for lending from British banks and lenders, depending on the requirements of the specific lender.

At Capital Fortune, we have substantial experience finding the right mortgages for foreign nationals from British banks and lenders. Our specialist team have the expertise to advise you on whether your circumstances are appropriate to apply for a mortgage or other lending from British banks and lenders. We take in to consideration your citizenship status and carry out a detailed fact find to make sure we have all the appropriate information before recommending the most suitable product for your requirements. We pledge to help you every step of the way in the application process, filling in all the paperwork to save you time and hassle.

Call our mortgage broker team now on 020 77 100 400 or complete the Mortgage Enquiry Online. As part of our service, we will call you back.

The Financial Conduct Authority does not regulate some forms of buy to lets, commercial mortgages, secured loans, unsecured loans, bridging loans, trusts, overseas mortgages, conveyancing or debt management.

How to get in touch

Feefo logo

Selected Expat and Offshore Worker Mortgages

A selection of some of our lenders mortgage products and rates are shown below. Contact us for a quote specific to your circumstances. Table data updated 26/07/2017.

For /
Fixed Lender
% Lender




30/09/2019 4.59% 4.70% 2% in year 1, then 1% in year 2 £995


Expat Buy to Let to75% LTV

Repayment or Interest Only

Expat and UK Resident Joint Application.



3.19% Discount


5.70% 5.70% 3% in year 1, then 2% in year 2 £0 0.75%

Expat Residential to 80% LTV

Second Home or UK Base



1.69% Discount 31/07/2019 5.70% 5.70% 1% until 31/07/2019 £199 None

Expat Residential to 75% LTV

Free Standard Valuation.

Either: immediately returning to the UK or UK resident and Expat Joint Application.



2.89% Discount 2 Years 5.70% 5.70% 3% in year 1, then 2% in year 2 £0 0.75%

Expat Buy to Let

Max 50%-75% LTV (product dependant)

First Time Buyers / Pure Expat Applicants Considered


1.24% Fixed 30/11/2019 3.75% 3.75% 2% in year 1 & 2 £995 None

Expat Residential

Max 60% to 90% LTV (product dependant)

UK resident and Expat Joint Application



 2.80% Discount  2 Years  5.29%  5.29%  2% in year 1, then1% in year 2  £995  None 

Expat Holiday Let

Max 60% - 75% LTV (product dependant) 

007  3.60% Fixed 31/08/2019  4.00%  4.00%  2% in year 1,then 1% in year 2  None  1% 

Expat Buy to Let

Max 65% - 75% LTV (product dependant)

Personal income used (not based on rental income)