If you’re an overseas national looking to buy property in the UK, you’re not alone—and you’re not out of options. Whether you’re purchasing for investment, as a second home, for your children to live in, or to relocate later on, Mortgage Knight can help you secure a UK mortgage even if you’re not a resident.
We work with UK lenders who accept applications from overseas clients, and we guide you through the entire process—handling the complexity, explaining every step, and getting you the best deal available for your circumstances.
You may benefit from our overseas mortgage service if:
Wherever you’re based—UAE, India, Nigeria, Hong Kong, South Africa, the US, or beyond—we can help you access UK mortgage products without needing to step foot in the country.
Yes – absolutely. But it’s a specialist area, and not all lenders deal with non-resident applicants. That’s where Mortgage Knight steps in. We have relationships with lenders that actively work with international clients, even if you:
Buying from abroad can be tricky without the right help. Common issues include:
We’re here to solve all of that. We understand what lenders want to see, how to structure your application, and how to manage the process smoothly—even remotely.
While each lender is slightly different, you’ll usually need:
In many cases, we can work with scanned or digital documents. You don’t need to visit the UK to apply.
You’ll typically need a larger deposit than a UK resident:
We’ll make sure your mortgage fits your goals—whether you want hands-off income, long-term capital growth, or family support.
Status: Sanjay lives in the UAE and earns a high salary. He wanted to invest in a London flat and rent it out long-term.
Challenge: His income was paid in AED, and he had no UK credit history.
Solution: We worked with a lender used to working with UAE-based professionals. Sanjay was approved for a £420,000 mortgage with a 30% deposit, and the property now generates regular rental income.
Status: Grace, based in Kenya, wanted to buy a flat in Manchester for her daughter, who was starting university in the UK.
Challenge: She was self-employed with income in Kenyan Shillings, and didn’t plan to live in the property herself.
Solution: We matched her with a lender who accepted overseas self-employed income and approved her for a £250,000 mortgage under a regulated buy-to-let structure.
Status: Benjamin wanted to buy a UK home in advance of relocating with his family from Cape Town within 12 months..
Challenge: He was still based abroad, self-employed, and needed a lender open to future UK residency.
Solution: We secured a £310,000 residential mortgage based on verified overseas income and a letter of intent outlining his relocation plan.
A: Yes. We work with lenders who offer mortgages to non-UK residents, as long as your income is provable and your deposit is clean and traceable.
A: Typically 25–30%. The stronger your profile, the more options you’ll have.
A: Yes. We work with lenders who accept income in USD, AED, EUR, INR, ZAR, and many others—with conversion handled professionally.
A: Absolutely. We handle everything remotely and can help you find UK solicitors and valuers who work with international buyers.
A: Not always. Some lenders work without UK credit history or a local bank, though opening one helps manage your mortgage.
The team made everything easy, even with my complicated income. I'd been turned away before, but not here.
