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Mortgages for Non-UK residents
Buying a property as a Non-UK resident can be really challenging, especially when it comes to getting a mortgage.
Expert Mortgage Advice
Exclusive Deals from over 90 Lenders
Same Day Decisions
Buying a property as a Non-UK resident 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 Non-UK residents 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
FIND YOUR IDEAL 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 Non-UK resident 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.
Important information - Your property may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1%, but a typical fee is £499.
OUR MORTGAGE ADVICE FEE GUARANTEE: If we fail to secure you a mortgage offer, then you don’t pay us our arrangement fee.
How it works
ONE
Contact Us
Fill out the form and one of our brokers will call you back.
TWO
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
THREE
We'll guide you through the process
We'll help you choose the right product and then handle the application for you.
FOUR
... 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 Non-UK residents
Expert Mortgage Advice
Exclusive Deals from over 90 Lenders
Same Day Decisions
FIND YOUR IDEAL 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.
FirstXtra is an appointed representative of Mortgage Advice Bureau (Derby) Limited which is authorised and regulated by the Financial Conduct Authority.
Firstxtra Financial Services Ltd,
The Pavilion, Newbury Business Park,
Newbury RG14 2PZ
Registered Address: 2 Old Bath Road,
Newbury, RG14 1QL
Company Registration: 8678559
Registered in England and Wales
