Mortgage with a foreign Income

Securing a UK mortgage with foreign income can feel complex — but with St. George Commercial Finance Brokers Ltd., it doesn’t have to be. We specialize in arranging UK residential and buy-to-let mortgages for clients earning income abroad, whether you’re a UK expat, foreign national, or international investor.

With access to specialist lenders and private banks, we help you unlock mortgage options that traditional UK lenders may decline — ensuring your income, wherever it’s earned, works in your favour.

Who Is It For?

UK citizens living and working abroad
Foreign nationals investing in UK property
Self-employed professionals with offshore income
Investors with salary, business, rental, or dividend income earned overseas

Key Features

✅ Mortgages available for residential and buy-to-let purposes
✅ Income accepted in a wide range of currencies (USD, EUR, AED, SGD, etc.)
✅ Loans available to employed, self-employed, and HNW individuals
✅ Use of limited company or personal name ownership
✅ LTV up to 75–80% (subject to profile and property type)
✅ Access to private banks and niche lenders

What Income Types Are Accepted?

Foreign salary or employment income
Dividends or director’s income from overseas businesses
Rental income from foreign or UK properties
Investment income or trust distributions
Self-employed income supported by international accountants

Can I get a UK mortgage if I earn my income abroad?

Yes. Many lenders accept foreign income for UK mortgage applications, especially through specialist brokers like us who work with expats and foreign nationals daily.

What currencies are accepted by lenders?

Most lenders accept major stable currencies such as USD, EUR, AED, SGD, CAD, AUD, and others. Some may also consider less common currencies, subject to volatility and conversion risk.

Will I need a UK credit history to apply?

It helps, but it’s not always required. Some lenders can work with limited or no UK credit history if other strong documentation and deposit sources are present.

Can I use foreign self-employment or business income?

Yes. We work with lenders who accept self-employed income, including dividends or director’s remuneration, provided it’s verifiable and supported by international financial documents.

Is proof of income different for foreign earnings?

Typically, you’ll need recent payslips or bank statements, employer letters (if salaried), and/or audited accounts and tax returns (if self-employed), all translated into English where necessary.

Frequently Asked Questions

Need Assistance ?

Whether you need assistance with financing or have a question about our services, our team is here to support you.