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Mortgages for non-UK residents/new to UK

How to apply if you’re a non-UK resident or a foreign national living in the UK for less than 12 months

Looking for an investment property, or to move to the UK? Find out if you could apply for a mortgage in the UK.

Who can apply?

Residential mortgage 

If you're a non-UK resident or a foreign national living in the UK for less than 12 months, to apply for a residential mortgage in the UK, you should check that:

  • you're a resident in one of the countries/regions listed above
  • you can speak proficient English
  • you earn a basic annual income of at least £75,000 – or if you're a UAE national, your annual income is at least 1 million AED (or equivalent in an approved currency)
  • your loan-to-value (LTV) will be a maximum of 75%

Buy-to-let mortgage

If you're a non-UK resident or a foreign national living in the UK for less than 12 months, to apply for a buy-to-let mortgage in the UK, you should check that:

  • you're a resident in one of the countries/regions listed above
  • you can speak proficient English
  • you earn a basic annual income of at least £50,000 (or £75,000 if you're self-employed) – or if you're a UAE national, your annual income is at least 1 million AED (or equivalent in an approved currency)
  • you have a deposit of at least 25% of the property value or 35% for mortgages above £1 million

How to apply

If you're a resident in one of the above countries or regions and you'd like to apply for a mortgage in the UK, you won't be able to apply online, instead just give us a call on:

+44 800 169 6333

Residential rates for non-UK residents/new to UK1 

Take a look at our latest rates, if you're interested in applying for a residential mortgage in the UK.

Fixed-rate mortgages

A fixed-rate mortgage means that your payments will stay the same until the end date of the fixed-rate period, even if interest rates change. An Early Repayment Charge may apply during the fixed rate period.

60% Maximum Loan to Value (LTV)
Mortgage Initial interest rate Followed by a Variable Rate, currently Initial interest rate period Overall cost for comparison (APRC) Booking fee Annual overpayment allowance Cashback Maximum loan amount (subject to LTV and Lending Policy)
2 Year Fixed Fee Saver

5.40%
fixed

6.99%

2 Years fixed rate until 31.07.26

6.9%
APRC

£0

10%

£0

£ 5,000,000

2 Year Fixed Standard

5.11%

fixed

6.99%
2 Years fixed rate until 31.07.26

6.9%

APRC

£999
10%
£0 £ 5,000,000
3 Year Fixed Fee Saver

5.34%
fixed

6.99%

3 Years fixed rate until 31.07.27

6.7%
APRC

£0

10%

£0

£ 5,000,000

3 Year Fixed Standard

5.06%

fixed

6.99%
3 Years fixed rate until 31.07.27

6.7%

APRC

£999
10%
£0 £ 5,000,000
5 Year Fixed Fee Saver

4.88%
fixed

6.99%

5 Years fixed rate until 31.07.29

6.3%
APRC

£0

10%

£0

£ 5,000,000

5 Year Fixed Standard

4.73%

fixed

6.99%
5 Years fixed rate until 31.07.29

6.3%

APRC

£999
10%
£0 £ 5,000,000
5 Year Fixed Premier Standard 4.70%
fixed
6.99% 5 Years fixed rate until 31.07.29 6.3%
APRC
£1499 10% £0 £ 5,000,000
10 Year Fixed Fee Saver

5.59%
fixed

6.99%

10 Years fixed rate until 31.07.34

6.2%
APRC

£0

10%

£0

£ 5,000,000

10 Year Fixed Standard

5.49%

fixed

6.99%
10 Years fixed rate until 31.07.34

6.2%

APRC

£999
10%
£0 £ 5,000,000
60% Maximum Loan to Value (LTV)
Mortgage 2 Year Fixed Fee Saver
Initial interest rate

5.40%
fixed

Followed by a Variable Rate, currently

6.99%

Initial interest rate period

2 Years fixed rate until 31.07.26

Overall cost for comparison (APRC) 6.9%
APRC
Booking fee

£0

Annual overpayment allowance

10%

Cashback £0
Maximum loan amount (subject to LTV and Lending Policy)

£ 5,000,000

Mortgage 2 Year Fixed Standard
Initial interest rate

5.11%

fixed

Followed by a Variable Rate, currently 6.99%
Initial interest rate period 2 Years fixed rate until 31.07.26
Overall cost for comparison (APRC)

6.9%

APRC

Booking fee £999
Annual overpayment allowance 10%
Cashback £0
Maximum loan amount (subject to LTV and Lending Policy) £ 5,000,000
Mortgage 3 Year Fixed Fee Saver
Initial interest rate

5.34%
fixed

Followed by a Variable Rate, currently

6.99%

Initial interest rate period

3 Years fixed rate until 31.07.27

Overall cost for comparison (APRC) 6.7%
APRC
Booking fee

£0

Annual overpayment allowance

10%

Cashback £0
Maximum loan amount (subject to LTV and Lending Policy)

£ 5,000,000

Mortgage 3 Year Fixed Standard
Initial interest rate

5.06%

fixed

Followed by a Variable Rate, currently 6.99%
Initial interest rate period 3 Years fixed rate until 31.07.27
Overall cost for comparison (APRC)

6.7%

APRC

Booking fee £999
Annual overpayment allowance 10%
Cashback £0
Maximum loan amount (subject to LTV and Lending Policy) £ 5,000,000
Mortgage 5 Year Fixed Fee Saver
Initial interest rate

4.88%
fixed

Followed by a Variable Rate, currently

6.99%

Initial interest rate period

5 Years fixed rate until 31.07.29

Overall cost for comparison (APRC) 6.3%
APRC
Booking fee

£0

Annual overpayment allowance

10%

Cashback £0
Maximum loan amount (subject to LTV and Lending Policy)

£ 5,000,000

Mortgage 5 Year Fixed Standard
Initial interest rate

4.73%

fixed

Followed by a Variable Rate, currently 6.99%
Initial interest rate period 5 Years fixed rate until 31.07.29
Overall cost for comparison (APRC)

6.3%

APRC

Booking fee £999
Annual overpayment allowance 10%
Cashback £0
Maximum loan amount (subject to LTV and Lending Policy) £ 5,000,000
Mortgage 5 Year Fixed Premier Standard
Initial interest rate 4.70%
fixed
Followed by a Variable Rate, currently 6.99%
Initial interest rate period 5 Years fixed rate until 31.07.29
Overall cost for comparison (APRC) 6.3%
APRC
Booking fee £1499
Annual overpayment allowance 10%
Cashback £0
Maximum loan amount (subject to LTV and Lending Policy) £ 5,000,000
Mortgage 10 Year Fixed Fee Saver
Initial interest rate

5.59%
fixed

Followed by a Variable Rate, currently

6.99%

Initial interest rate period

10 Years fixed rate until 31.07.34

Overall cost for comparison (APRC) 6.2%
APRC
Booking fee

£0

Annual overpayment allowance

10%

Cashback £0
Maximum loan amount (subject to LTV and Lending Policy)

£ 5,000,000

Mortgage 10 Year Fixed Standard
Initial interest rate

5.49%

fixed

Followed by a Variable Rate, currently 6.99%
Initial interest rate period 10 Years fixed rate until 31.07.34
Overall cost for comparison (APRC)

6.2%

APRC

Booking fee £999
Annual overpayment allowance 10%
Cashback £0
Maximum loan amount (subject to LTV and Lending Policy) £ 5,000,000

Tracker mortgages

A tracker mortgage is a variable rate mortgage linked to the Bank of England base rate that rises or falls with it. This will affect your monthly repayments. Our tracker mortgages are available over a 2-year period.

60% Maximum Loan to Value (LTV)
Mortgage

Initial interest rate

Followed by a variable rate, currently

Initial interest rate period

Overall cost for comparison (APRC)

Booking fee

Cashback Maximum loan amount (subject to LTV and Lending Policy)
2 Year Term Tracker Standard

5.89%

variable

6.99%
2 Years

7.1%
APRC

£999
£0 £ 5,000,000
60% Maximum Loan to Value (LTV)
Mortgage 2 Year Term Tracker Standard

Initial interest rate

5.89%

variable

Followed by a variable rate, currently

6.99%

Initial interest rate period

2 Years

Overall cost for comparison (APRC)

7.1%
APRC

Booking fee

£999
Cashback £0
Maximum loan amount (subject to LTV and Lending Policy) £ 5,000,000

Buy-to-let rates for non-UK residents/new to UK1 

Take a look at our latest rates, if you're looking to apply for a buy-to-let mortgage for a property in the UK.

Fixed-rate mortgages

A fixed-rate mortgage means that your payments will stay the same until the end date of the fixed-rate period, even if interest rates change. An Early Repayment Charge may applyduring the fixed rate period

60% Maximum Loan to Value (LTV)
Mortgage Initial interest rate Followed by a Variable Rate, currently Initial interest rate period Overall cost for comparison (APRC) Booking fee Annual overpayment allowance Cashback Maximum loan amount (subject to LTV and Lending Policy)
2 Year Fixed Fee Saver Buy To Let

5.68%
fixed

7.60%

2 Years fixed rate until 31.07.26

7.5%
APRC

£0

10%

£0

£ 2,000,000

2 Year Fixed Standard Buy To Let

5.08%
fixed

7.60%

2 Years fixed rate until 31.07.26

7.6%
APRC

£1999

10%

£0

£ 2,000,000

5 Year Fixed Fee Saver Buy To Let

5.12%
fixed

7.60%

5 Years fixed rate until 31.07.29

6.7%
APRC

£0

10%

£0

£ 2,000,000

5 Year Fixed Standard Buy To Let

4.78%
fixed

7.60%

5 Years fixed rate until 31.07.29

6.8%
APRC

£1999

10%

£0

£ 2,000,000

60% Maximum Loan to Value (LTV)
Mortgage 2 Year Fixed Fee Saver Buy To Let
Initial interest rate

5.68%
fixed

Followed by a Variable Rate, currently

7.60%

Initial interest rate period

2 Years fixed rate until 31.07.26

Overall cost for comparison (APRC) 7.5%
APRC
Booking fee

£0

Annual overpayment allowance

10%

Cashback £0
Maximum loan amount (subject to LTV and Lending Policy)

£ 2,000,000

Mortgage 2 Year Fixed Standard Buy To Let
Initial interest rate

5.08%
fixed

Followed by a Variable Rate, currently

7.60%

Initial interest rate period

2 Years fixed rate until 31.07.26

Overall cost for comparison (APRC) 7.6%
APRC
Booking fee

£1999

Annual overpayment allowance

10%

Cashback £0
Maximum loan amount (subject to LTV and Lending Policy)

£ 2,000,000

Mortgage 5 Year Fixed Fee Saver Buy To Let
Initial interest rate

5.12%
fixed

Followed by a Variable Rate, currently

7.60%

Initial interest rate period

5 Years fixed rate until 31.07.29

Overall cost for comparison (APRC) 6.7%
APRC
Booking fee

£0

Annual overpayment allowance

10%

Cashback £0
Maximum loan amount (subject to LTV and Lending Policy)

£ 2,000,000

Mortgage 5 Year Fixed Standard Buy To Let
Initial interest rate

4.78%
fixed

Followed by a Variable Rate, currently

7.60%

Initial interest rate period

5 Years fixed rate until 31.07.29

Overall cost for comparison (APRC) 6.8%
APRC
Booking fee

£1999

Annual overpayment allowance

10%

Cashback £0
Maximum loan amount (subject to LTV and Lending Policy)

£ 2,000,000

Tracker mortgages

60% Maximum Loan to Value (LTV)
Mortgage

Initial interest rate

Followed by a variable rate, currently

Initial interest rate period

Overall cost for comparison (APRC)

Booking fee

Cashback

Maximum loan amount (subject to LTV and Lending Policy)

2 Year Term Tracker Fee Saver Buy To Let

6.74%

variable

7.60%
2 Years

7.7%

APRC

£0
£0 £ 2,000,000
2 Year Term Tracker Standard Buy To Let

6.13%

variable

7.60%
2 Years

7.8%

APRC

£1999
£0 £ 2,000,000
60% Maximum Loan to Value (LTV)
Mortgage 2 Year Term Tracker Fee Saver Buy To Let

Initial interest rate

6.74%

variable

Followed by a variable rate, currently

7.60%

Initial interest rate period

2 Years

Overall cost for comparison (APRC)

7.7%

APRC

Booking fee

£0
Cashback £0

Maximum loan amount (subject to LTV and Lending Policy)

£ 2,000,000
Mortgage 2 Year Term Tracker Standard Buy To Let

Initial interest rate

6.13%

variable

Followed by a variable rate, currently

7.60%

Initial interest rate period

2 Years

Overall cost for comparison (APRC)

7.8%

APRC

Booking fee

£1999
Cashback £0

Maximum loan amount (subject to LTV and Lending Policy)

£ 2,000,000

Representative example

A repayment mortgage of £180,000 payable over 25 years initially on a fixed rate for 2 years at 5.53% and then on our current variable rate of 6.99% (variable) for the remaining 23 years would require 24 monthly payments of £1,109.21 and 275 monthly payments of £1,262.03, plus one final payment of £1,263.26.

The total amount payable would be £375,237.55 made up of the loan amount plus interest of £194,942.55 and a solicitors fee of £295.

In this example, the overall cost for comparison is 7.0% APRC representative.

The above representative example is based on the highest APRC applicable to customers purchasing a property. Please note your actual costs and monthly repayments will vary.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

Buy-to-let risks

Letting a residential property is a commercial transaction. You should only decide to become a landlord if you're sure you are competent and capable of undertaking the venture. This includes being competent in managing a portfolio and understanding your obligations and your responsibilities towards the tenant.

We're unable to give advice on any property investment decisions or on how you can meet your obligations to tenants. It's important that you fully understand the risks and consequences of becoming a private landlord, as well as the potential rewards. Independent financial, legal and tax advisers may be able to give you advice on your decisions. Recognised landlord bodies can also help you to understand your responsibilities.

The actual income generated from your rental property may differ and can be influenced over time by changes within the rental market. You will remain responsible for meeting the costs of your mortgage and the additional costs associated with letting the property for the duration of your ownership.

You might also be interested in

 

Switching to one of our latest rates could save you money. 

 

Take a look at our latest rates and find what could suit you.

 

Whether you're remortgaging or a first-time buyer, we've got everything you need to help.

Additional Information

1. You're classed as new to UK if you've lived in the UK as a foreign national for less than 12 months.

It's easy to answer your query online. Visit our Help page to find out how.