This page is general information only. It is not financial advice, and Bevells Estates does not arrange mortgages. Speak to an adviser regulated by the Financial Conduct Authority.
What to expect
- Fewer lenders lend to non-UK residents, and terms vary between them.
- Larger deposits are often needed than for UK residents.
- More paperwork — proof of income, credit history, and sometimes documents translated into English.
- Currency — if you earn in another currency, exchange-rate changes can affect what you can afford.
Finding help
A specialist mortgage broker can compare lenders that accept overseas applicants. Check any firm on the FCA Financial Services Register. MoneyHelper, the government-backed guidance service, explains buying a home.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Sources checked 16 October 2026: GOV.UK pages linked above. Rules change — always confirm with your solicitor.