Foreigner Mortgage

Foreigner Mortgage

Foreigner Mortgage - Foreigner mortgage refers to a mortgage sought by a foreigner looking to purchase a property within the UK. Foreigner mortgage applicants have been less fortunate in recent years since the credit crunch. High street banks and building societies are increasingly been risk averse and reluctant to lend generally and this is not for when it comes to those seeking a foreigner mortgage. The UK housing market can often be difficult to navigate and for foreigner mortgage applicants, the arranging of a competitive rate for their foreigner mortgage is often requiring the services of a mortgage broker.

We offer a specialised service for our foreigner mortgage applicants, using our relationships with senior underwriters to increase the chances of a mortgage being secured for our clients.

Foreigner mortgage seekers living within the EEA legally have the right to work and within the UK without having to overcome any difficulty in jurisdiction. On the other hand, for non EEA residents, documentation must be obtained to secure a foreign national mortgage. Our customers looking for a foreigner mortgage living outside the EEA must have a visa or work permit and sufficient open ended permission to live in the UK. In addition, it would be of benefit to our customers were they to have a UK bank account or have lived in the UK previously. However, even with all the required paperwork, securing a foreigner mortgage for the individual can be problematic. This is where we are here to help.

Our team throughout our existence have built up established and stable relations with many lenders providing a foreigner mortgage. We have developed a number of strong relationships at international banks, building societies and private lenders. Our specialists know how to find our customers the right rate at the right time, but and with the right lender.

If you need any assistance why not speak to one of our Mortgage Advisers by calling 020 77 100 400 or Enquire Online.

To contact a member of our foreigner mortgage team, call us today.

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