A Guide to

UK Mortgages For International Investors & Expats

Are you looking to purchase property within the UK? Learn more about the process with our free online guide.

International and Expat Mortgages Guide for investors to learn more about the UK mortgage process

Making an investment in the UK or securing a mortgage can be a challenge when you are outside the country’s borders. The mortgage process in the UK can offer differ from the mortgage journey in other countries.

Read our guide to the UK Mortgage Process for International Investors and Expats to learn more.

WHAT DOCUMENTS WILL I NEED?

You will need to supply documents when you begin the onboarding process with Visionary Finance. These documents will include*:

ONBOARDING DOCUMENTS

Completed Visionary Finance and client onboard documents.

IDENTIFICATION

You will need to provide a scanned copy of your passport, driving license and/or ID card.

PROOF OF ADDRESS

We need to have proof of your address, such as a utility bill, dated in the last 3 months.

INCOME VERIFICATION

We will need to see your previous payslips to verify your income.

BANK STATEMENTS

We will need to see three months' worth of bank statements to help assess affordability.

PROOF OF DEPOSIT

We will need to see proof of deposit to understand where the funds are from.

*This is our standard document requirement list. Lenders may request additional documentation depending on your individual circumstances.

Once we have collected these documents from you, we will then be in a better position to offer you mortgage advice.

IS LENDING AVAILABLE TO CLIENTS BASED ANYWHERE GLOBALLY?

We have worked with clients based globally to secure lending for a UK property. There are some countries that will experience more difficulty to secure lending than others.

WHAT COSTS ARE INVOLVED?

When purchasing property in the United Kingdom, you will typically need to pay:

An application fee
A valuation fee
A product fee
A broker fee

WHAT IS THE MAXIMUM I CAN BORROW?

The maximum amount borrowable on international and expat mortgages is typically around 75% LTV. This means you will need to provide a deposit of at least 25%.