Foreign National Mortgages
Making the UK Home: Mortgage Advice for Foreign Nationals
A foreign national mortgage could be your key to buying or refinancing property in the UK, ideal for overseas investors or those without permanent residency.
At Kerr & Watson, we provide tailored mortgage advice and provide access to specialist lenders, empowering you to confidently finance your property ambitions in the UK.
Who We Help
✓ Living in the UK but not a UK citizen
✓ Holding a visa or residency permit
✓ Looking to buy property in the UK as a foreign national
✓ Unsure which lenders accept foreign national applications
Unsure Whether You Can Get a Mortgage in the UK as a Foreign National?
Many non-UK citizens assume they cannot obtain a mortgage in the UK. In reality, specialist lenders consider applications from foreign nationals based on factors such as visa status, income and financial profile.
At Kerr & Watson, we help identify lenders who are comfortable working with foreign national applicants.
Concerned Your Visa or Residency Status May Affect Your Mortgage Application?
Mortgage lenders will usually review your visa type, length of stay in the UK and supporting documents when assessing an application.
We help you understand how your residency status may affect your mortgage options and approach lenders whose criteria suit your circumstances.
Not Sure Which Lenders Accept Foreign National Mortgage Applications?
Many high street lenders have stricter criteria for foreign nationals, which can limit the available options.
We work with a range of lenders, including specialist providers, to help match your circumstances with lenders that are more experienced in foreign national mortgage applications.
Buy to Let Mortgage calculator
Calculate your borrowing potential with our affordability calculator.
Identify what your monthly repayments would be with our repayment calculator.
Confirm your Stamp Duty costs with our Stamp Duty calculator.
Your Mortgage In 3 Easy Steps…
Conversation
Schedule a call to talk to a mortgage advisor about your goals, challenges and vision for your mortgage.
Alternatively give us a call on 01252 224620 or email us on info@kerrandwatson.co.uk.
Research
We will take the information gained on the call and carry out some research before sending you a bespoke recommendation.
If you would like an agreement in principle, we’ll also arrange this for you.
Application
We will submit the full application to the mortgage lender, sending them the documents and liaising with the underwriters until the mortgage has been fully offered on the new interest rate.
We will also communicate with you at every stage, from application to completion.
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Not ready to apply yet? That’s fine — we can start with a quick conversation about your options.
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