The UK property market continues to attract international investors seeking strong rental yields and long-term capital growth. While obtaining a buy-to-let mortgage as a non-UK resident presents unique challenges, specialist lenders offer tailored solutions, allowing overseas investors to achieve up to 75% Loan-to-Value (LTV) on UK property purchases.
This guide covers everything you need to know about UK buy-to-let mortgages for international clients, including eligibility, deposit requirements, lender options, and securing the most competitive mortgage rates (currently around 5%).
Can International Clients Get a UK Buy-to-Let Mortgage?
Residency Status – Available for expats and foreign nationals.
Proof of Income – Must demonstrate stable earnings in GBP or foreign currency.
Credit History – UK credit history is beneficial but not always required.
Property Type – Lenders prefer standard residential properties over high-risk assets like HMOs.
How Much Deposit Do International Buyers Need?
International investors can achieve up to 75% LTV, meaning a minimum 25% deposit is required. However, higher deposits can improve mortgage rates.
| Buyer Type | Minimum Deposit Required |
| UK Resident Landlord | 20-25% |
| UK Expats | 25% – 30% |
| Foreign Nationals | 25% – 40% |
Tip: A higher deposit can help secure better mortgage rates and improve approval chances.
Buy-to-Let Mortgage Rates for International Clients
At the time of writing, interest rates for international buy-to-let mortgages are around 5%, varying based on the lender, deposit size, and applicant profile.
| LTV (Loan-to-Value) | Typical Interest Rate (Fixed & Variable) |
| 60% | 4.5% – 5.5% |
| 70% | 5.0% – 6.0% |
| 75% | 5.5% – 6.5% |
Tip: Working with a specialist broker ensures access to the most competitive rates available for non-UK residents.
Stamp Duty Considerations for Overseas Investors
International buyers must pay an additional 2% stamp duty surcharge on top of the standard buy-to-let SDLT rates.
Use Our Stamp Duty Calculator:
Before purchasing a UK property, use our Stamp Duty Calculator to estimate your total tax liability.
Best UK Buy-to-Let Mortgage Lenders for International Clients
Many high-street banks do not offer buy-to-let mortgages to international clients, but several specialist lenders cater to overseas investors.
Top Lenders for Non-UK Residents:
| Lender | Key Features |
| HSBC Expat | Available for high-net-worth individuals with UK ties. |
| Skipton International | No UK credit history required, competitive rates. |
| Barclays International | Available for UK expats with income in GBP. |
| West One Loans | Supports complex cases and portfolio landlords. |
| LendInvest | Specialist buy-to-let lender with flexible criteria. |
Tip: Some lenders only offer mortgages to UK expats, while others accept foreign nationals with no UK ties.
How to Secure a Buy-to-Let Mortgage as an International Client?
1. Choose the Right Structure: Personal or Limited Company (SPV)?
International investors can buy property personally or through a UK-registered limited company (SPV).
- Personal Ownership: Simpler but higher tax exposure.
- Limited Company (SPV): More tax-efficient but requires additional setup.
Tip: Many lenders prefer SPVs as they offer better tax efficiency and streamlined underwriting.
2. Prepare Your Documentation
Lenders require specific documents to assess your mortgage application:
Proof of Income – Payslips, tax returns, or business accounts.
Credit Report – UK credit file (if applicable) or international equivalent.
Property Details – Mortgage valuation and rental income projections. Use our buy-to-let calculator to estimate how much you can borrow as a non-UK resident based on rental income potential.
Bank Statements – Typically 3-6 months of statements.
ID & Address Verification – Passport and proof of residency.
3. Work with a Specialist Mortgage Broker
A specialist broker can:
Compare Lenders: Access exclusive international mortgage deals.
Guide You on Structure: Advise on personal vs SPV ownership.
Speed Up Applications: Reduce delays and improve approval chances.
Tip: Some lenders only accept applications through brokers. Partnering with an expert is essential for securing the best mortgage terms.
In Closing
Securing a UK buy-to-let mortgage as an international client is entirely possible, but it requires careful planning.
- Higher deposits and stricter criteria apply.
- Specialist lenders cater to overseas investors.
- Tax efficiency matters – consider an SPV structure.
By working with an experienced mortgage broker, you can navigate the complexities of international buy-to-let mortgages and access the best deals available.
FAQs
Ans: Yes, international investors can access UK buy-to-let mortgages, but eligibility criteria are stricter than for UK residents.
Ans: Not necessarily. Some lenders accept international credit reports or assess applications based on income and assets.
Ans:Typically 25%, but some lenders require up to 40% depending on risk factors.
Ans: Non-UK residents pay an extra 2% surcharge on top of standard buy-to-let SDLT rates. Use our Stamp Duty Calculator to estimate costs.
Ans: SPVs can be more tax-efficient but require company formation and additional costs. Many lenders offer better mortgage rates for SPVs than individual investors.
