Our Services
UK mortgages for foreign nationals and international investors
Buying or investing in UK property while living overseas? We arrange residential and buy-to-let mortgages for non-UK residents, expats and foreign nationals, including clients in the USA, Australia, Europe, the UAE and beyond. Whole-of-market advice, handled remotely from start to finish.
Specialist advice for buyers based abroad
Mainstream UK banks often turn away applicants who live overseas or earn in a foreign currency. We work with the specialist and international lenders who actively want this business, and match you to the right one.
Non-UK residents
You live abroad and want a home, a holiday base or an investment property in the UK.
British expats
A UK citizen living and working overseas, keen to buy or remortgage back home.
Foreign nationals in the UK
Living in the UK on a visa or with settled status and ready to buy.
International investors
Building or expanding a UK buy-to-let or portfolio from outside the UK.
High-net-worth clients
Larger or more complex purchases where private-bank lending fits best.
Returning UK nationals
Planning a move back and arranging finance before you land.
Key things to know as an overseas buyer
Larger deposits
Expect from around 25 per cent for a residential mortgage, and typically 30 to 40 per cent for buy-to-let or higher-risk jurisdictions. Stronger profiles and UK ties can unlock better terms.
Foreign-currency income
Many lenders accept salaries in USD, EUR, AED and other major currencies, usually applying an exchange-rate buffer that often reduces the usable figure by up to around 25 per cent.
No UK credit history
A thin UK credit file is common and not a dealbreaker. Specialist and international lenders assess your wider financial picture instead.
Stamp duty for non-residents
Non-UK residents pay a 2 per cent SDLT surcharge on top of standard rates, plus the 5 per cent higher rate on an additional property. Try our Stamp Duty Calculator.
Documents and ID
Passport, proof of address, three to six months of bank statements, payslips or tax returns and company accounts, and certified translations where needed.
Source of funds and AML
Lenders run anti-money-laundering and sanctions checks. We help you prepare clear source-of-funds evidence so things move smoothly.
Tailored to your country
We regularly arrange UK mortgages for clients in these markets and understand what each lender looks for.
United States
USD income is well regarded, though FATCA reporting makes some UK lenders cautious about US persons. We know the lenders who are comfortable with American clients.
Australia
Popular with British expats and Australian investors. Time-zone-friendly, fully remote handling, and lenders that accept AUD income.
Europe (EU / EEA)
From Ireland and Germany to Spain and the Nordics, EUR income is widely accepted for relocations, second homes and buy-to-let.
UAE & the Gulf
Dubai, Abu Dhabi and the wider GCC are among our most active regions. AED and USD-linked income and investor purchases are well catered for.
Asia & Singapore
Hong Kong, Singapore and beyond. Strong-currency earners and international professionals buying UK homes and investments.
Other affluent markets
Switzerland, Canada and the wider Middle East. If you earn in a stable currency and want to buy in the UK, there is usually a route.
How it works
Initial chat
A relaxed chat by video, phone or WhatsApp to understand your plans and timing.
We search the market
We find lenders that fit your residency, currency and goals, and confirm what you can borrow.
Application & paperwork
We package your case, handle the documents and liaise with the lender on your behalf.
Offer & completion
We keep things moving to mortgage offer and completion, then stay on hand for the future.
An adviser who speaks international
Cross-border mortgages have moving parts a typical high-street branch simply cannot handle. We do this every day.
Ready to explore your UK mortgage options? Message us
Tell us where you live and what you would like to buy. We will tell you honestly what is possible, with no obligation. We reply fastest on WhatsApp, wherever you are in the world.
We reply fastest on WhatsApp, message us anytime.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Your property may be repossessed if you do not keep up repayments on your mortgage. Some buy-to-let mortgages are not regulated by the Financial Conduct Authority. Tax treatment, including Stamp Duty Land Tax, depends on your individual circumstances and may change. Lending criteria, deposit requirements and available lenders vary and are subject to status and affordability. Albion Financial Advice Services Ltd is authorised and regulated by the FCA, FRN 769375.
Last updated: 23 June 2026