Non UK Residency & Non UK National Mortgages for Purchasing Properties in UK
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Non EU Citizens > >
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Non UK Residency & Non UK National
If you
Then we may be able to find you a mortgage.
If you answered yes to any of the above, then we may be able to find you one of the following mortgages:
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Non-UK residents and Non UK Domiciled (UK expatriates or nationals of another country) wishing to purchase / re-mortgage a residential property in the UK for Investment / Buy to Let purposes
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UK Residents (Non-UK Domiciled) wishing to purchase / re-mortgage a residential property in the UK for Investment / "Buy to Let purposes"
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UK Residents but deemed Not Ordinarily Resident in the UK for tax purposes wishing to purchase / re-mortgage a residential property in the UK for Investment / But to Let purposes
Mortgages are available to EU citizens after living and working in the UK for a minimum of 6 months. The following list represents common requirements:
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Applicants have been residing in the EU for the past 3 years
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Applicants have a UK bank account
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Applicants have a permanent job in the UK
As with UK citizens, all mortgage applications will be credit scored. If you have not been living in the UK for very long then this will have the effect of reducing your credit score
We do not normally charge a fee as we are usually paid by the lender. However you have the option to pay us a fee and receive any commission which we are paid by the lender. If you choose this option, we estimate that the fee will be £495.
The Financial Services Authority does not regulate some aspects of Buy to Let mortgages.
Your home may be repossessed if you do not keep up repayments on your mortgage.
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Non EU Citizens
Foreign nationals that have not been living within the EU will not have a credit file that can be traced. Mortgages will be available after the applicant has lived in the UK for a minimum of 2 years. It may be possible to arrange a non status mortgage before then, however a large deposit 25%+ will be required.
Most lenders prefer that foreign citizens have full rights of permanent residence in the UK.
Some lenders will accept applications from foreign citizens who have a work permit. Please phone to discuss your situation
Your home or property may be repossessed if you do not keep up repayments on your mortgage.
G Force Mortgages are authorised and regulated by the Financial Services Authority we are Independent Mortgage Specialists. We have the ability to search the whole UK market, including deals that you will not find on the highstreet. We are experts in finding mortgages for all needs, so try us today and see if we can save you money.
The overall cost for comparison is 7.7% APR. The actual rate available will depend upon your circumstances. Ask for a personalised illustration.
We do not normally charge a fee as we are usually paid by the lender. However you have the option to pay us a fee and receive any commission which we are paid by the lender. If you choose this option, we estimate that the fee will be £495.
Your home or property may be repossessed if you do not keep up repayments on your mortgage.