Mortgage Non UK Citizen

Mortgage Non UK Citizen

Mortgage Non UK Citizen - Mortgage non UK citizen refers to a mortgage undertaken by a citizen not from the UK. This could be either an EU or non EU citizen but a ‘mortgage non UK citizen’ is simply a citizen with non UK residential status. We offer a bespoke and specialised service for all non UK citizen clients requiring finance.

A non UK citizen living within the EU has the legal right to live and work within the UK without jurisdiction difficulty. Nevertheless, for non EU residents, certain documentation must be provided for a €˜mortgage non UK citizen’ application to proceed. Our clients seeking a UK 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 and/or have funds in a UK bank account. However, even with all the necessary documentation, securing a mortgage for non UK citizens individually can be difficult.

Our expert team of mortgage non UK citizen’ advisers can secure you the right rate with the right lender but importantly at the right time. Using our comprehensive panel base nationally and internationally, we will seek to obtain our customers the optimum deal for their application. We also guarantee to complete all the necessary documentation and paperwork for you too, according to your required timescales.

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 one of our mortgage non UK citizens€™ advisers, 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