Residential & specialist
UK mortgage advice that considers residency, visa and international income
Foreign nationals can obtain mortgages in the UK, but lender criteria vary considerably. Nationality alone is not the deciding factor. A lender may consider immigration status, time in the UK, visa type and remaining term, income currency, address history, deposit source and whether another applicant has permanent UK residence.
We will assess your complete circumstances, explain the available routes and recommend a mortgage that supports your wider plans. Your initial conversation is without obligation.
Resident foreign national or non-UK resident?
A foreign national living and working in the UK on a visa is assessed differently from an overseas resident buying UK property. Applicants with indefinite leave to remain or settled status may access broader criteria, while visa holders can face additional income, deposit or loan-to-value requirements. Non-resident and expat applications require a separate assessment.
Who this may help
We assist applicants with settled or pre-settled status, indefinite leave to remain, Skilled Worker and other eligible visas, British National (Overseas) status, limited UK credit history, foreign-currency income, overseas assets or deposits arriving from abroad. We also advise joint applicants where immigration status differs.
What needs to be considered
- Immigration status and evidence through a passport, eVisa or share code
- The visa expiry date and route to extension or settlement
- Time resident and employed in the UK
- UK address and credit history
- Income paid in sterling or a foreign currency
- Overseas self-employment, bonus, allowances or investment income
- Deposit source, transfer trail and anti-money-laundering evidence
- Gifted deposits from relatives overseas
- Whether the purchase is a main home, second home or investment
- Potential tax and legal implications of residency and ownership
How ERG Finance approaches it
We establish the applicant’s residency, right to remain, income and deposit trail before approaching lenders. Documents from overseas may require translation and additional verification. A well-prepared application explains the complete position and avoids choosing a lender whose visa, currency or address-history rules cannot work.
Income and deposit evidence
Foreign-currency income may be reduced for affordability to allow for exchange-rate risk, and some currencies or countries are not accepted. Overseas deposit funds need a clear, evidenced source and transfer trail. The conveyancer and lender will complete their own anti-money-laundering checks, which can add time to the transaction.
Our role
- understand the purpose of the mortgage and the outcome you need
- check affordability, lender criteria and property requirements before recommending a route
- compare the rate, fees, flexibility, early repayment charges and overall cost
- prepare the application and evidence so the lender sees a complete and accurate case
- manage the mortgage process through valuation, offer and completion
Frequently Asked Questions
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No. Some lenders accept applicants on eligible visas, subject to visa term, income, deposit, residence history and other criteria.
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Potentially. A shorter footprint can reduce choice, but some lenders assess the wider case. Accurate UK addresses, bank conduct and evidence of overseas history may help.
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Some lenders accept specified currencies and apply an exchange-rate adjustment. Evidence, sustainability and the country from which the income is paid are important.
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Potentially. The lender and conveyancer will need identification, relationship, source-of-funds and transfer evidence. Country restrictions may apply.
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This may include a passport and online immigration-status evidence, such as an eVisa share code. Requirements depend on the applicant and lender.
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No. A foreign national resident in the UK is different from a UK national living abroad or any applicant who is not UK resident. Each needs separate criteria.
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Time zone: United Kingdom (Europe/London)
Your consultation
A 30-minute telephone call with one of our advisers. Tell us a little about your situation and we’ll match you with the right person.
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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. The availability and terms of any mortgage depend on individual circumstances, lender criteria, affordability, credit assessment and valuation.