01635 524391

Mortgages for Foreign Nationals

Get a mortgage that lets you purchase your own home in the UK even If you are still on a visa or have less than 3 years residency in the UK.

Expert Mortgage Advice

Exclusive Deals from 76 Lenders

Same Day Decisions

Buying a property as a foreign national can be really challenging, especially when it comes to getting a mortgage.

You might assume that all mortgage lenders will treat you in the same way, but that’s certainly not the case – and this can mean that you might need to have a larger deposit or be resident in the UK for longer than you think. Some lenders may even need you to have permanent rights to remain.

And if you don’t have the required deposit or residency status and can’t borrow the amount you need, you might miss out on getting the home you really want.

The reason this can happen is because getting a mortgage if you are a foreign national is more complicated due to the way the lenders assess you. Along with the usual checks on you monthly income and expenditure lenders will also need to know about your current residential status. For example, whether you’re on a visa and if so, what type it is and how long is left on it.

But fortunately, we have the solution.

At Firstxtra, we’re not just any mortgage broker. We’re the specialist you’ve been looking for. We understand the intricacies of mortgages for foreign nationals and have been working in this sector for 20 years.

We understand that it can be difficult to save up a large deposit. That why we have work with lenders who can offer mortgage with only a 5% deposit. We also have many more lenders who are happy to offer mortgages with 10% or greater deposits. Due to our strong partnerships with these lenders, we have access to specialist human underwriters and not just a computer-based system.

Residency can also be an issue with many lenders wanting you to be a permanent resident in the UK. But we have lenders who don’t require any minimum time in the UK subject to other criteria being met.

And, even better, we can handle everything for you – including liaising with the seller of the property and the solicitors. We’ll also deal with arranging the correct paperwork that the lender will want to see. Which means you can carry on with your day-to-day life and leave the stress to us.

To find out which deals are available to you, all you need to do is click the button opposite to book a no-obligation meeting with us.

Your home may be repossessed if you do not keep up repayments on your mortgage


Fill in your details below and one of our mortgage experts will contact you to guide you through the process and secure the correct mortgage for your needs.

Why Choose us?

Maximise your chances of acceptance

Because we deal with Foreign National mortgages all day every day, we know how to assess your residency status and income which will maximise the chances of you securing the mortgage you need.

This means you don’t have to settle for second best and can buy the home you’ve really set your heart on.

Expert Advice

We are so confident in what we do that If we are unable to place a mortgage for you or you do not wish to proceed with our advice then there will be nothing for you to pay.

This means if we can’t find you a mortgage that you’re happy with and that the lender has agreed in principle, you won’t have to pay us a thing.

Platinum Service

The independent review site Feefo has awarded us their coveted Platinum status for the past three years, based on the consistently high level of feedback we receive from our clients.

This means you can be confident that when you entrust us with your mortgage application you can be sure that we’ll look after you and hold your hand from start to finish, however complex your mortgage requirements might be.

Hassle Free Service

We understand how hectic and time-consuming running a business can be. And that’s why we offer flexible appointment times, meaning you can meet with us via the phone or video call at a time to suit you.

It’s also why we make sure that you deal with the same adviser throughout the entire process – so you don’t have to waste time re-explaining things every time you call us. And we’ll always answer the phone within five rings rather than leaving you sitting in a queue.

We’ll even liaise with your accountant to get whatever financial information we need, so you don’t need to spend time hunting for paperwork.

OUR MORTGAGE ADVICE FEE GUARANTEE: If we fail to secure you a mortgage offer, then you don’t pay us our arrangement fee.

feefo reviews

How it works


Contact Us

Fill out the form and one of our brokers will call you back.


We'll search for the right deal

Once we've taken a few details, we start our search to find a bespoke mortgage that's just right for you


We'll guide you through the process

We'll help you choose the right product and then handle the application for you.


... until your application is accepted

Our fantastic case managers will see your application through and help you each step of the way.

Exclusive deals accross the UK mortgage market

We have access to the following lenders and many more…

Mortgages for Foreign Nationals

Expert Mortgage Advice

Exclusive Deals from 76 Lenders

Same Day Decisions


Fill in your details below and one of our mortgage experts will contact you to guide you through the process and secure the correct mortgage for your needs.

Feefo logo

Your home may be repossessed if you do not keep up repayments on your mortgage

A fee of £199 is payable on application of the mortgage and £250 on issue of the mortgage offer. There may be a further fee payable on mortgage offer of up to £250. The overall amount of the fee is dependent on the amount of research and administration that is required.

The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.

Firstxtra Financial Services Ltd,
The Pavilion, Newbury Business Park,
Newbury RG14 2PZ

01635 524391

Registered Address: 2 Old Bath Road,
Newbury, RG14 1QL
Company Registration: 8678559
Registered in England and Wales

Firstxtra Financial Services Limited is an Appointed Representative of PRIMIS Mortgage Network. PRIMIS Mortgage Network is a trading name of First Complete Ltd which is authorised and regulated by the Financial Conduct Authority for mortgages, protection insurance and general insurance products.

*Wills & commercial mortgages are not regulated by the Financial Conduct Authority. Loans, wills & commercial mortgages are referred to third party providers – Firstxtra Financial Services Ltd and First Complete Ltd are not responsible for any advice received from the third party providers.

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