Thinking about putting down roots in the UK and buying your first home here?
Whether you’ve just arrived or have been living here for a few years and are ready to settle, this video is for you…
I work with many clients who are foreign nationals and want to make the UK their long-term home. Getting mortgage ready as a non-UK citizen can seem a little more complex, but with the right guidance and preparation, it’s absolutely possible.
Can Foreign Nationals Get a Mortgage in the UK?
Yes, it’s possible to get a mortgage in the UK as a foreign national, but there are some additional things lenders will look at. Different lenders have different criteria depending on your residency status, how long you’ve been in the UK, your visa type, and your credit history.
Some things to keep in mind:
- Length of time in the UK: Most lenders prefer you to have lived in the UK for at least 6 to 12 months, though some specialist lenders may accept less.
- Visa status: Having a visa that allows you to work and live in the UK long-term will help your application. If you have permanent residency or indefinite leave to remain, your options increase.
- Employment: Lenders will want to see proof of stable income, whether you’re employed or self-employed.
- Credit history: Building a UK credit file can make a big difference. If you’re new to the UK, you may not have much credit history yet, which some lenders will take into account.
How to Get Mortgage Ready as a Foreign National
Here are a few simple steps to help strengthen your mortgage application:
- Register on the electoral roll (if you’re eligible) and make sure your address is consistent across all documents.
- Open UK bank accounts and begin using them regularly to show a pattern of income and spending.
- Start building your UK credit history through responsible use of credit cards or small loans.
- Keep good records of your income, including payslips and employment contracts.
- Speak to a broker early who understands foreign national mortgage options. Not all banks and lenders are accessible directly and some specialise in supporting people just like you.
You Don’t Have to Navigate This Alone
If you’re considering buying your first home in the UK and you’ve recently moved here, I’d love to hear about your plans.
With years of experience helping foreign nationals through the UK mortgage process, I’ll guide you through the steps, help you understand your options, and find a solution that suits your individual circumstances.
Watch the video here and if it speaks to you, please reach out. I’d be delighted to help you take the next step toward homeownership in the UK.
Header Photo by Tatiana Syrikova / Pexels