Immigration Mortgage

Immigration Mortgage

Immigration Mortgage - Immigration mortgage refers to immigrants seeking a mortgage having purchased a residential or buy to let property within the United Kingdom. Many foreign or EU nationals searching for an immigration mortgage often find the complexity of the UK housing and finance market difficult to appreciate. Many high street banks and building societies within the UK are becoming increasingly risk averse and reluctant to lend to individuals with many individual immigration mortgage enquiries increasingly rejected.

Nevertheless, there are still certain lenders offering immigration mortgage deals. Using our comprehensive panel base and built up relationships with many of the leading immigration mortgage providers and their senior underwriters, our advisory team will seek to find you the optimum financial result for your immigration mortgage and loan requirements.

Foreign nationals outside the EU will require certain documentation to be provided in order for their immigration mortgage application to succeed. A UK work permit or visa with sufficient open ended permission to live in the UK is essential for a mortgage to be obtained. The applicant should also find better rates and higher chances of a successful application if they have lived in the UK previously or have funds in a UK bank account. Those seeking to secure an immigration mortgage with an EU passport should find less difficulty when completing their immigration mortgage transaction.

On the other hand, if all the required paperwork is received, individuals seeking an immigration mortgage may still find it problematic to obtain a suitable and affordable rate for your specific individual needs and circumstances. This is where we can help

We promise to help our immigration mortgage clients every step of the way to the completion of their transaction and beyond. We will advise you whether a private immigration mortgage lender, UK bank or local building society will be best suited to your individual needs. In addition, our expert team will also guarantee to fill in all the paperwork required for your transaction, saving our clients time and stress in the process.

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

Contact one of our immigration mortgage advisers today. We look forward to taking your call.

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