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FOREIGN NATIONALS

RESIDENTIAL | INVESTMENT

Foreign National Mortgage - Residential

If you are a Foreign National living abroad, wanting to purchase a property in the UK for residential purposes, London FS have direct access to a large network of private banks, specialist mortgage lenders, challenger banks and building societies who provide excellent property finance options to our clients in this arena. Our expert brokers specialise in arranging mortgages for Foreign/international clients.

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The UK Property Market.

We understand the landscape of the property market in the UK is very attractive to international clients. The UK offers great capital growth, strong rental yields and of course purchasing property in one of the worlds strongest economies all adds to the appeal.

Obtaining funding for foreign nationals living abroad trying to obtain a mortgage in the UK can prove difficult without the correct contacts and experience.

How to get a mortgage in the UK

Lending to Foreign Nationals can be complex and is a niche market space. We provide our International clientele with expert advice.

To allow you to understand what the process looks like and what information we will need, we have outlined a few points to consider.

The UK regulatory regime for many foreign nationals is one of the strictest in the world and deemed as a higher risk. Navigating this on your own or without the right broker can end up wasting time, money and effort. You will find background checks for foreign nationals are generally more in depth than those required by UK residents.

Of course if you are early on in journey and just need some financial advice and structure, feel free to contact us. In the meantime, these are the things to consider:

Your deposit - what level of deposit will you have to put down and what is the source of it. Deposit size will generally be linked to level of risk and interest rate we can get.

The Location - most lenders prefer prime London, however we have specialist lenders that will look at city centre location if the reasoning is justified. 

The Reason you are buying - are you looking for to buy property in the UK as an investment and require buy to let mortgages, or somewhere you and your family can stay when they come to the UK?

Your Income - as with any lending, understanding what your income is, how it structured and paid and where it is paid will all contribute to a successful application. Each case is reviewed based on your own circumstances.

Your overall Net Worth as a client - This will really come into play when you are purchasing in Prime London. We will need to understand your overall asset and liability position to ensure we approach the correct lenders. 

Foreign nationals thinking of obtaining property finance in the UK, should also consider:

  • If they have an international or UK bank account.
  • Where will their mortgage be paid from? Most lenders will require direct debits for the mortgage to be set up from a bank account in the UK.
  • Your credit history / credit score in the UK or in your country of residence - UK citizens have credit history showing lender how they conduct their financial affairs and other debts in the back ground. This gives lenders a good insight into the risk profile of a client.
  • Your employment status - If you are employed or self employed - do you have a permanent job in your home country or a good stable business?
  • Asset / Investment portfolios - These will need to be discussed to allow us to offer a wider range of products for you.

Some lenders may request to have Assets Under Management (AUM) but we are finding that the market is becoming increasingly competitive and many lenders are now happy with a more softer approach. 

We have helped foreign national living in the UK from the European Union, India, Pakistan, China, United Arab Emirates, Singapore, Malaysia, Vietnam, Mexico, America and Australia who have all had their own individual circumstances obtain financing in the UK.

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Foreign National Mortgage Rates.

As with mortgages for UK residents, rates will differ based around your individual circumstances. UK Nationals also have to meet lender criteria to get the best deal.

Mortgages for foreign nationals in the UK will vary on your loan to value (money you are borrowing, against the property value), your income, the type property you are buying, the location of the property, your country of residence, if you have a work permit or you are here for business, if you have indefinite leave to remain and may other factors.

Sharing your personal information, with an expert broker who can understand the make up of your financial position will help us get a mortgage for you, and provide you options with different lenders, including interest rates, mortgage repayments, costs involved with arranging your mortgage, the mortgage application process and timelines.

Generally rates are quite low in the current market from Private and Specialist banks. With our strong relationships and network, we are able to offer our clients the right solution and favourable terms.

Foreign Nationals - Investment

At London-FS we fully understand Investment purchasing and refinancing in both your personal name and in a Special Purpose Vehicle (SPV) for Foreign National Clients. 

We would need to understand your overall client proposition - this allows to narrow down the right lender for you. As part of service to secure you the best lending terms, we also work with you to ensure you are purchasing a strong asset for the future.

We can help with confirming rental valuations, working out your net yields and even with negotiations if need be on your behalf. 

Our services for Foreign National Investors is to work with you to ensure it is the right way for you to purchase or grow your portfolio in the UK and is not simply based on the rates/terms that we will secure for you.

We are happy to work with your accountants / personal representatives / solicitors to ensure you are guided through the process.

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Foreign Nationals - Investment

Many foreign investors find a mortgage is actually more advantageous than buying in cash. Mortgages allow you to keep hold of your assets rather than selling them to buy the property outright. You may find purchasing a property with a mortgage offers some taxation benefits, too.

With record low mortgage rates, mortgages can make a lot of sense from a financial perspective, too. And because London is such a magnet for foreign investors, it’s usually easy to secure a mortgage from lenders, even if you’re not based in the UK.

Mortgages can also be a great option if you’re looking to renovate or develop an investment property as you’ll have more of your own funds to spend on refurbishment. Alternatively, you can borrow to cover part (or the entire cost) of the project.

Do Foreign Nationals Pay Stamp Duty?

Yes. The Overseas Buyer Stamp Duty (also known as the Overseas Buyer Surcharge). The surcharge came into force in April 2021 and effectively means that foreign buyers will pay additional stamp duty on any UK property they purchase.

The Overseas Buyer Surcharge will cost the equivalent of 2% of the property price.

The Overseas Buyer Surcharge comes in addition to the Stamp Duty on Second Home surcharge. If you already have a property in the UK (i.e., you’re buying a second property or have several investment properties), you’ll now need to pay an additional surcharge on every additional property you buy. The stamp duty rate on second homes depends on the purchase price of your property and is due in addition to the overseas buyer’s surcharge.

Book a call with a Mortgage Broker:

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Speaking to a mortgage broker couldn't be easier. We always advise speaking to an advisor well in advance. This gives us both an advantage to plan and ensure your mortgage application is correctly processed. It also allows us to plan and help you organise your finances (if need be).

it is important to ensure you check the broker you are dealing with is directly registered and authorised by the Financial Conduct Authority or is an appointed representative of a firm that is.

If you would like an informal chat with a mortgage adviser, please use the contact form on our site, drop us an email: enquiries@london-fs.com or give us a call +44(0)208427 5057.

We can run you through what paperwork will be required, discuss any questions you may have about obtaining a mortgage or you may just want a professional, independent opinion on the property you are buying. In any instance we can help.

Important Information

Your home may be repossessed if you do not keep up repayments on a mortgage or any debt secured upon it.

London FS are a not a lender. We are credit broker that arranges finance for foreign nationals.

Dhavi Limited (T/A London FS), is directly authorised and regulated by the Financial Conduct Authority and is on the Financial Services Register - Firm reference number 628993. Dhavi Limited is registered in England No. 7301914

Registered Office: 7 Bell Yard, London, WC2A 2JR. Tel: 020 8427 5057. Fax: 020 7160 5331

* The Financial Conduct Authority does not regulate some forms of buy to let, secured loans, commercial finance, bridging finance, overseas/foreign national or offshore mortgages and will writing. Your initial mortgage consultation is obligation free. We charge an administration fee for processing each mortgage contract and our fees only apply when you decide to proceed with an application.

For standard residential mortgage contracts the typical fee of up to 1% of the mortgage loan applies of which £500 is payable on application with the balance payable on offer.

For buy-to-let mortgages a typical fee of up to 1% of the mortgage loan applies of which £500 is payable on application with the balance payable on offer.

For offshore mortgages and commercial mortgages a typical fee of 1% of the mortgage loan applies of which £1000 is payable on application with the balance payable on offer.

For impaired credit lending the typical fee is 1% of the mortgage loan applies of which £500 is payable on application with the balance payable on offer.

The overall cost for comparison is 5.5% APR. The actual rate will depend on your circumstances. Ask for a personalised illustration. The advice and/or guidance contained within this website is subject to UK regulatory regime and therefore is restricted to consumers based in the UK.

GET IN TOUCH

Call us on +44(0) 208 427 5057

or provide us with your details, for one of our brokers to contact you.

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