Foreign National Mortgages in the UK

Can you get a UK mortgage as a foreign national? This guide explains how to qualify for a mortgage and why your residency or citizenship status matters to a mortgage lender.

About your mortgage

Error: Yearly income income must be between £1 and £10,000,000.

Error: Regular bonus must be between £1 and £10,000,000.

Based on your yearly income, you may be able to borrow:


Most lenders will let you borrow 4.5 times your annual salary so, as long as you have a standard 10% deposit, you should be able to borrow this much.


Depending on your personal circumstances, some lenders may let you borrow 5 times your salary.


Lenders usually cap the amount they lend at 5.5 times your salary, so it’s unlikely you’ll be able to borrow more than this.

This calculator is an estimation of how much you could borrow. If you’re ready to take out a mortgage, speak to a Revolution brokers to see what options are available.

Foreign National Mortgages in the UK

Finding a mortgage as a foreign national can be complex, so you must get professional advice to ensure you secure the borrowing you need!

Revolution Brokers works with clients worldwide, ensuring you have the best chances of approval and expert guidance to negotiate the most competitive rates on the market.

Many online mortgage application forms claim to offer outstanding foreign national mortgages. However, the reality is that this is a specialist type of home loan, and current knowledge about eligibility and interest rates is critical.

Here we'll explore a little more about foreign national mortgage guidelines - for more advice and to start your application, get in touch at 0330 304 3040, or send us a message at

How Can I Get a UK Foreign National Mortgage?

There is no reason you can't apply for a mortgage, whether or not you are a British citizen. Foreign national mortgages are the same as any other, except that they are available to non-citizens.

You might need this type of mortgage if:

  • You don't have permanent residency status or are a non-UK resident.
  • You were born outside of the UK but have permanent residency or indefinite leave to remain.
  • You are an EU resident and don't have freedom of movement post-Brexit.

Lenders offering foreign national mortgages will typically look for two critical metrics when considering your application:

  • The duration of your visa and how long you are permitted to remain in the UK.
  • What sort of visa you have - some foreign national mortgage lenders only lend to specific visa routes, such as a spousal visa.

They'll also ask how long you have lived in the UK and whether you have been here or been working here for at least a year.

Foreign nationals applying for a UK mortgage have a better chance of approval with at least two years remaining on their visa at the point of application.

Am I Eligible Under the UK Foreign National Mortgage Guidelines?

Quite possibly! Mortgage providers are becoming more flexible with their criteria.

Revolution frequently works with professionals working in the UK who aren't citizens yet need a mortgage to settle down and purchase a home.

There are a few things you can do to support your application for a non-citizen mortgage:

  • Open a UK bank account, and use it for regular transactions.
  • Finding a permanent job or long-term placement.

Don't panic if you can't do either or prefer to make mortgage payments from an overseas account. There are always specialist foreign national mortgage lenders who are willing to negotiate on their terms!

Does My Visa Impact my Eligibility for a Foreign National Mortgage?

Yes, your visa is essential since it will directly impact the security of your mortgage and how long you're able to remain living in the UK.

Most mortgage applicants have one of three visas:

  1. A family visa, allowing spouses, relatives, children and parents to live in the UK.
  2. Work visas, either Tier 1 or Tier 2. These permit foreign nationals to work in Britain.

Are There UK Buy to Let Mortgages for Foreign Nationals?

Mortgage lenders can offer foreign national mortgages on buy to let properties and carry out a similar risk assessment.

If you are a long-term resident, you have better chances of approval of securing a buy to let mortgage for foreign nationals since you'll have more of a credit check to verify you meet the affordability requirements.

For non-residents looking for a foreign national buy to let mortgage, the process can be a little more complex since they live overseas.

However, Revolution Brokers can match applicants with lenders who will offer this type of mortgage with a minimum 20% deposit.

Those mortgage loans for foreign nationals accept a range of applicants, including non-residents who haven't owned a rental property before or are self-employed workers.

Mortgage lenders will look at the source of your deposit funds and need to verify your ID as well as running through anti-money laundering checks.

Can I Get a Foreign National Commercial Mortgage?

Indeed you can! As a UK foreign national specialist mortgage broker supporting international clients, Revolution often arranges business mortgages for overseas business people.

The application for a commercial mortgage is slightly different from a residential property. Still, we can steer you through the process and help you understand the mortgage rules for foreign nationals.

Will I Pay Higher Mortgage Rates on a Foreign National Mortgage UK?

Potentially, but the key to finding UK mortgages for foreign nationals is always to work with an independent broker who can signpost your application to those lenders with the most competitive foreign national mortgage rates.

By ensuring your application includes all the required information and mitigates any perceived risks, you have negotiating power to secure more attractive mortgage rates.

Lenders will consider mortgages for foreign nationals in London by looking at factors such as:

  • Your credit history.
  • How you earn your income.
  • The value of the available deposit.
  • What sort of property you wish to mortgage.

Expert Help with Foreign National Mortgage Loans

If you're stuck finding a foreign national mortgage with affordable rates, or have been declined by a mainstream UK bank, don't panic. We work with thousands of people looking for mortgages for foreign nationals buying in the UK.

Call the Revolution Brokers team to access a whole-of-market mortgage assessment to ensure you get the mortgage you need at the correct rates.

Get in touch on 0330 304 3040, or send us a message to

Why Revolution Brokers?
  • Whole of market brokers

  • Mortgage that suits you

  • On time customer support

Further Reading

Latest Blogs

11 Mar 2022
Guide to Remortgaging to Finance a Home Renovation

Remortgaging your home is a great way to release equity and raise finance for those home improvement jobs you've always wanted to do. Before applying, it's vital to work out how much equity you have in your property and ensure sufficient capacity to borrow the funds required for the renovation you have in mind. In today's article, t..

10 Feb 2022
Do I Qualify for First-Time Buyer Status?

Do I Qualify for First-Time Buyer Status? Working out whether or not you are a first time buyer may seem obvious - but there are plenty of scenarios where your position isn't clear! Examples might include: New buyers who have inherited a property they rent out. Buy-to-let investors that have never purchased a residential hom..

26 Jan 2022
How Does a Remortgage Application Work?

Most homeowners know that remortgaging means switching a mortgage from an existing lender over to a new deal. However, the process isn't always obvious. If you're on a fixed-rate deal, you'll want to get ahead of the end of the term to avoid being shuffled onto a higher standard variable rate where your interest costs will undoubtedly ..

17 Dec 2021
Understanding Lender Risk on First-Time Buyer Mortgages

Finding a great mortgage as a first time buyer can feel like an uphill struggle, with a larger proportion of applicants being turned down than a year ago. Around 20% of first-time mortgage applicants are rejected, usually because of the lender risk associated with their loan. Today, Revolution Brokers explains the highest risk facto..

28 Oct 2021
Pros and Cons of First Time Buyer Buy to Let Mortgages

Investing in a rental property can be an excellent way to get onto the property ladder and earn an income. However, if you haven't owned a residence before, you might find that a mainstream bank will automatically turn you down for a buy to let mortgage. In today's guide, the Revolution Brokers team explains how you can become a ren..

12 Oct 2021
Mortgage Deposit Requirements for First-Time Buyers

Buying a home for the first time is a massive step - but the deposit is often a stumbling block for first-time buyers. It can take years to save a sufficient amount or be impossible, so there are several ways to approach the problem and get your foot onto the property ladder. From April 2021, the UK government launched the new mortg..


Refer, Relax and get £50

If you refer a friend for a mortgage or any
type of finance you’ll both receive £25
each when their new application
successfully completes.

Know More!

We are proud
members of the:

FCA disclaimer

The content included in our articles, blogs, web pages and news publications is based on information accurate at the time of writing. Note that policies and criteria can change regularly throughout the UK mortgage lending market, and it remains essential to contact the consultation team to receive up to date guidance. The information included on the Revolution Brokers site is not bespoke to any circumstances or individual application scenarios and therefore is not intended to be used as financial advice. The content we share is designed to be informative and helpful but cannot be relied upon to provide individual advice relevant to your mortgage requirements. All Revolution team members are fully qualified, trained and experienced to provide mortgage advice of an independent nature. We collaborate with lenders and providers who are regulated, authorised and registered with the Financial Conduct Authority (FCA). Should you require specific mortgage borrowing types, some products such as buy to let mortgages may not be FCA regulated. The Revolution team can provide further information about regulated and unregulated lending as required. Please remember that a mortgage is a debt which is secured against your home or property. Your home can be at risk of repossession if you do not keep up with the repayments or encounter any other difficulties in managing your mortgage borrowing responsibly. This also applies to any remortgage or home loan secured against your property, including equity release products.

Ask the Mortgage Experts

Revolution Brokers understands that mortgages can be complex and confusing!

Ask us any question you might have, and one of our skilled consultants will come back to you as quickly as possible.