Mortgages For Non-UK Citizens
Whether you are an EU or non-EU citizen, getting a mortgage as a non-UK citizen can be difficult.
A foreign national mortgage is a property loan that allows people to buy a home in a country they weren’t born in. One of the primary requirements for a typical British mortgage is that the borrower must have been a resident of the UK for two or three years or have at least three years left on your visa.
You will also likely be asked to provide a larger deposit, usually around 25%. However, some lenders may not require this.
The type of visa you have can impact your chances of getting approved for a mortgage. Overall, mortgages are available to foreign nationals, but lenders are concerned with assessing the level of risk associated with each customer and prefer to lend to those who are likely to make their mortgage payments on time.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
This firm charges a fee of up to £795 for mortgage advice. The amount of the fee will depend upon your circumstances and will be discussed and agreed with you at the earliest opportunity.
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