Mortgage for Foreign Nationals

Own property in the UK — even without British citizenship.

At St. George Commercial Finance Brokers Ltd., we help foreign nationals navigate the UK mortgage market with clarity and confidence. Whether you’re investing in a buy-to-let, purchasing a second home, or entering the UK property market for the first time, we provide expert support tailored to your residency and income status.

🌎 Who Is This For?

Non-UK citizens residing outside or inside the UK
International investors looking to buy UK property
Applicants with foreign income and assets
Those with non-UK credit history
Clients requiring buy-to-let, residential, or holiday home mortgages

✅ What We Offer

Mortgages for non-residents and foreign nationals
Up to 75% Loan-to-Value (LTV)
Accepted incomes in multiple foreign currencies
Purchase, refinance, or investment options
Buy-to-let in personal or company name
Access to specialist lenders and private banks
Full support with UK legal and compliance requirements

🗂 Required Documents (Typically Include)

Valid passport and visa/residency permit (if applicable)
Proof of foreign address
Income proof (employment contract, payslips, tax return)
International or UK bank statements
Details of the property being purchased
Source of deposit verification

🧭 Why Choose St. George?

Many UK banks are conservative when lending to foreign nationals — but we’re not. With deep experience and strong relationships with specialist and international lenders, St. George makes complex cross-border financing straightforward.

We guide you through:

Lender matching
Currency exchange risks
Legal requirements for non-residents
UK tax and compliance considerations

🏡 Make Your Global Ambitions Real

Owning UK property as a foreign national is not only possible — it’s within reach. Let our expert brokers help you secure the right mortgage at the right rate, with full transparency and tailored advice.

Need Assistance ?

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

In general terms, the criteria for asset based financing include the following:

"Other brokers gave me confusing answers, but St. George knew exactly how to handle my foreign income and lack of UK credit. I now own a great rental property in Manchester!"

"As a US-based investor, I struggled to find a UK lender that understood my situation. St. George connected me with the right people and made the process smooth and stress-free."

"I never imagined buying a flat in London without UK residency could be so seamless. St. George walked me through every step and secured a mortgage that fit my needs perfectly."

Can a foreign national get a mortgage in the UK?

Yes. Many UK lenders offer mortgages to non-UK citizens, especially with specialist brokers like St. George who work with lenders open to international clients.

Do I need to live in the UK to apply?

No. You can apply as a non-resident. Many of our clients live abroad and purchase UK property for investment, personal use, or rental income.

What currencies are accepted for income?

Most lenders accept stable, major currencies such as USD, EUR, AED, SGD, and INR. You’ll need to provide clear documentation of your income in that currency.

Is UK credit history required?

Not always. Some lenders accept applicants without UK credit history, focusing instead on your international financial profile, income, and deposit source.

What type of properties can I buy?

Foreign nationals can typically purchase standard residential and buy-to-let properties. Some restrictions apply to shared ownership or government-backed schemes.