Mortgages for Non-UK Residents
UK mortgage advice wherever you call home
Living overseas does not have to put your UK property plans on hold. Whether you are a British expat or a foreign national residing abroad, Asghar Finance House Ltd can help you explore mortgages for purchasing or refinancing UK property.
We guide you through the requirements, explain your options and support you throughout the application process.
British expats & overseas nationals
UK property finance advice
Free consultation
Discuss overseas mortgage options
Share a few details and our advisers will get back to you with personalised options. No obligation — just clear, specialist mortgage advice.
What we can explore
Mortgage Options to Suit Your Plans
01
Residential mortgages
Explore finance for a UK home, including where you are planning to return to the UK, subject to occupancy requirements.
02
Buy-to-let mortgages
Purchase a UK rental property while living overseas.
03
Remortgages
Review your existing UK mortgage and explore refinancing options.
04
Additional borrowing
Explore borrowing against an existing UK property, subject to available equity, affordability and the purpose of the funds.
Lender criteria
Understanding Your Eligibility
Every lender has different requirements for overseas applicants. Your options will depend on a range of personal and property factors.
Some lenders accept overseas income and applicants with limited UK credit history. Deposit requirements vary, and a larger deposit may be needed.
Your options depend on
- Your nationality and country of residence
- Your employment or self-employed income
- The currency in which you earn
- Your deposit and its source
- Your credit history and existing financial commitments
- The property’s location, type and intended use
Clear guidance
Clear Guidance at Every Step
Overseas mortgage applications can involve additional paperwork. We help you understand what is required and support you through the process.
01
What is required
Overseas mortgage applications can involve additional paperwork. We help you understand what is required, which may include identification, proof of address, bank statements, income evidence and documents confirming the source of your deposit.
02
Suitable lender options
We assess suitable options through the lenders we work with and explain the terms and costs clearly.
03
Application support
We liaise with the lender as your application progresses, so you have clear guidance at every step.
Start your enquiry
Tell us about your plans
Tell us where you live, how your income is earned and what you would like to achieve. We will assess whether we can assist and explain your next steps.
Mortgages are subject to status, affordability, property valuation and lender criteria. Availability depends on your country of residence and individual circumstances. Any applicable broker fee will be explained before you proceed.
If your income is in a different currency from your mortgage payments, exchange-rate changes could increase the cost of your repayments.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Most buy-to-let mortgages are not regulated by the Financial Conduct Authority.