How Foreign Nationals Can Buy or Finance Property in the UK
Purchasing property in the UK as a foreign national or non-resident is a proven strategy for global investors, entrepreneurs, and families looking to diversify their portfolios.
At Million Plus Private Finance, we help clients from the Middle East, Europe, and Asia structure bespoke UK mortgage and remortgage solutions suited to their international income, assets, and long-term goals. Our team has over two decades of experience arranging UK mortgages for foreign nationals, ensuring discretion and precision at every stage.
What Is a Foreign National Mortgage?
A foreign national mortgage allows non-UK citizens to buy or refinance property in England or Wales. These loans are ideal for clients based overseas who wish to purchase a UK residence, Buy-to-Let investment, or portfolio property.
Lenders assess your residency status, visa type, and income stability to determine eligibility. For investors in Dubai, Saudi Arabia, or France, obtaining a UK mortgage for non-residents is entirely possible when the structure is presented correctly and supported by experienced professionals.
What Lenders Look For
Lenders consider several key factors when reviewing applications from international buyers:
Residency status and visa type determine eligibility and term limits.
Income source and documentation — whether salaried, self-employed, or investment-based.
Deposit level — typically between 25% and 40% of the purchase price.
Credit history — UK or international reports are accepted. Even if you’re applying for a foreign national mortgage without UK credit history, specialist lenders can assess your global financial profile.
Property use — whether residential, Buy-to-Let, or part of a wider portfolio.
For example, clients based in the UAE can access a UK mortgage for foreign nationals in the UAE using AED or USD income, provided documentation is properly verified by accountants.
Common Challenges and Solutions
Obtaining property finance for foreign nationals in the UK can be complex, particularly when dealing with multi-currency income or cross-border compliance. At Million Plus Private Finance, we simplify the process through:
- Presenting full financials in lender ready format.
- Matching clients with private banks and institutions familiar with global income streams.
- Structuring loans with currency and legal alignment to ensure speed and compliance.
This approach enables foreign investors buying UK property to navigate the process smoothly and efficiently, even in high value or time sensitive transactions.
Why Work with Million Plus Private Finance
We specialise in bespoke mortgage solutions for foreign nationals and non-residents with complex financial backgrounds.
Our clients benefit from:
- Direct access to private banks and niche international lenders.
- Over 20 years of cross-border finance expertise.
- Proven success in high value UK property transactions.
- Discreet service tailored to high-net-worth and professional clients.
As an international mortgage broker, we structure lending that aligns with your goals — whether you are refinancing, purchasing, or expanding your global property holdings.
Contact us
Contact us today to discuss tailored UK property finance solutions for non-residents and foreign nationals. We’ll help you find the right structure, lender, and strategy to support your investment goals.
FAQ
Can foreign nationals buy property in the UK?
Yes. There are no legal restrictions preventing non-UK citizens from purchasing property in England or Wales. Lenders simply require evidence of income, identity, and source of funds.
What deposit is required for a foreign national mortgage?
Lenders generally ask for a deposit between 25% and 40%. For high-value clients, bespoke arrangements may reduce this requirement depending on structure and asset strength.
Can non-residents get a UK Buy-to-Let mortgage?
Yes. We arrange Buy-to-Let and investment property mortgages for non-residents, including clients in the UAE, Saudi Arabia, France, and across Europe and Asia.
What documents are needed?
Standard requirements include proof of ID, address, income verification, bank statements, and evidence of funds. Depending on residency, lenders may also request visa or tax documentation.
Are foreign national mortgages available for high-value properties?
Yes. Private banks and specialist lenders offer tailored lending for luxury and investment properties across London and the UK.
I live in Dubai or Saudi Arabia — can I buy UK property as a foreign national?
Absolutely. Clients in Dubai, Abu Dhabi, Riyadh, and Jeddah frequently secure UK property finance using offshore income and assets.
I’m based in France but not a UK citizen — can I still apply?
Yes. Many French nationals and EU residents purchase UK real estate through structured foreign national mortgage facilities, supported by our partner lenders.
