Mortgage Foreign Nationals

Mortgage Foreign Nationals

Mortgage Foreign Nationals - Mortgage foreign nationals refers to non UK residents looking to obtain a mortgage for their residential or buy to let property within the UK. For individuals seeking a mortgage, foreign nationals or otherwise, it has become increasingly difficult for individuals to obtain the finance they require. Since the economic downturn, a number of individuals have been unwilling to offer a mortgage to foreign nationals, often choosing to be risk averse and more reluctant to lend to individuals seeking a mortgage. Foreign nationals may require specialist advice and assistance to obtain the finance they require. This is where we can assist.

Seekers of a mortgage who are foreign nationals living within the EU have the right to live and work within the UK without jurisdiction difficulty. However, for non EU residents, there is certain documentation that must be obtained to secure a mortgage. Foreign nationals and our clients seeking a mortgage living outside the EU must have a visa or work permit and sufficient open ended permission to live in the UK. Furthermore, there will be greater benefits for clients who have had residence in the UK previously for 2 years or longer or have funds in a UK bank account.

Our expert team know the ins and outs of obtaining a mortgage for foreign nationals, using our expertise and outstanding relationships with a number of lending institutions to often obtain favourable rates not available to individuals on the High Street. We will guide and assist you throughout your application, ensuring all the documentation required to secure your mortgage transaction is completed, all within your given timescales.

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

Seeking a mortgage? Foreign nationals can contact our expert team today for the optimum financial result

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