Foreign Nationals and Expat Mortgages

Whether you're living in the UK on a visa or living abroad and planning to invest in UK property, there are specialist mortgage options available. These mortgages are designed to work around international income, visa types, and overseas residency.

At SND Mortgages, we help foreign nationals and expats access mortgage deals that match their unique circumstances, whether you’re buying a home to live in or a property to rent out.

Yes, many lenders accept visa holders for UK mortgages, including those on Skilled Worker visas, Spouse visas, or Graduate visas. The type of visa, length of time remaining, and your income will all affect which lenders are available to you.

We’ll assess your visa and match you with lenders that support your residency status and employment.

Lenders may require that you have lived in the UK for a minimum period, often six months to two years, and that you hold a valid visa with at least 12 months remaining. Some may also want you to have a UK bank account and credit history. Depending on lenders policy we do have a couple of lenders who will discount the time remaining on the visa and have no credit history available within the UK. 

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If you’re new to the UK or have a limited credit profile, we’ll guide you on how to build your eligibility and choose lenders who are flexible.

Yes, some lenders accept foreign income, but only certain currencies are supported and you may need to show consistent earnings. Exchange rate fluctuations can also impact how your income is assessed.

We work with lenders who understand international income and can advise you on the paperwork needed to support your application.

If you are a UK citizen living abroad and want to buy a property in the UK, whether for personal use or to let out, there are mortgage products designed specifically for expats. Lending criteria may differ depending on your country of residence, income source, and credit history.

We’ll help you find lenders that welcome expat applications and make the process clear and straightforward, even if you’re applying from overseas.

In some cases, yes. Some lenders may ask for a deposit of 15 percent or more, particularly if you have limited UK credit history or are applying from abroad. However, there are also lenders who accept 10 percent deposits depending on your circumstances.

We’ll help you compare your deposit options and choose a lender that offers fair terms based on your profile.