Foreign Citizen

Foreign Citizen

Foreign Citizen mortgages are surprisingly complex and difficult to obtain. Foreign nationals with the right to enter, live and work in the UK still face difficulty in the mortgage market. Foreign Citizen mortgages are available but the mortgage lenders will have to be fully satisfied that the Applicant has sufficient income to support the mortgage repayments.

Capital Fortune are experts when dealing with Foreign Citizen mortgages. Our specialist team understand the difficulties faced by foreign nationals in the mortgage process. We are here to help and through our specialist Foreign Citizen online mortgage service. Once we have ascertained your full needs and requirements, we will know exactly which home mortgage lender to place the case with.

Foreign Citizen mortgage applicants will need their passport or national identity card for us to establish the entitlement to live and work in the UK. Foreign nationals of countries in the European Economic Area (EEA) have the right to live and work in the UK without restriction.

There is no reason why a mortgage lender, if satisfied as to the applicant’s ability to repay the loan, will not be willing to offer a Foreign Citizen mortgage.

For non-EEA nationals, specific authority to enter and work in the UK is required and in order to succeed with a mortgage application, we would need sufficiently open-ended permission to stay in the UK. This often can be that you have been in the UK for a few years and have a few years left on your visa.

We will succeed in the application if we can reassure the mortgage lender about the permanency of your residential circumstances and your intentions to remain here in the UK..

The immigration process and right of residency is a complex area when it comes to mortgage applications and a member of our specialised team will be able to assist and advise you on the most suitable and affordable mortgage for you. This may be on a home mortgage UK or may be through one of international mortgage solutions.

Call us today on 020 3 216 2037 or Enquiry Online.

How to get in touch

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Selected UK Mortgages for Foreign Nationals

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 04/04/2016.

CodeInitial
Rate
Mortgage
Type
For /
Until
Subsequent
Rate
APRCEarly
Repayment
Charge
Fixed Lender
Fees
% Lender
Fees
Notes
001 1.24% Tracker 30/06/2018 3.99% 3.72%

3% of original loan to be paid until 30/06/2017, Then 2% of original loan to be paid until 30/06/2018.

£999 None

Max 60% LTV Residential

Tier 1, 2, Ancestry and Spousal Visa. No minimum time in UK or left on visa subject to credit score.

002 1.44% Tracker 30/06/2018 4.00% 3.72% 1% of loan to be paid until 30/06/2017, Then 0.5% of loan to be paid until 30/06/2018, 10% capital repayments allowed per year without penalty. £995 None

Max 60% LTV Residential

Tier 1, 2, Ancestry and Spousal Visa. Min time left on visa 6 months. Min time in UK 6 months.

Alternatively, any visa jointly applying with a British National.

003 3.29% Fixed 30/06/2018 3.99% 4.03%

3% of original loan to be paid until 30/06/2017, Then 2% of original loan to be paid until 30/06/2018.

£999 None

Max 90% LTV Residential

Tier 1, 2, Ancestry and Spousal Visa. No minimum time in UK or left on visa subject to credit score.
004 2.50% Fixed

30/06/2018

4.00% 3.86% 2% of loan to be paid until 30/06/2017, Then 1% of loan to be paid until 30/06/2018, 10% capital repayments allowed per year without penalty. £995 None

Max 90% Residential

Tier 1 visa only. Min time left on visa 6 months. Min time in UK 6 months.

Alternatively, any visa jointly applying with a British National.

005 2.59%

Buy to Let Fixed

30/05/2018 5.35% 5.23%

 

3% of loan to be paid until 31/05/2017, Then 2% of loan to be paid until 31/05/2018, 10% capital repayments allowed per year without penalty.

 

£1999 None

Buy to Let max 60%

Tier 1 visa required