Mortgages in the UK for non-residents

  • The UK is deemed by many as a solid, stable jurisdiction and in the current low interest rate environment, many investors are looking to the UK residential market.

  • In 2019 Skipton International extended their UK mortgage proposition to include applications from non-UK national’s resident overseas.
  • The crash of the British Pound has meant that investing in the UK has remained significantly cheaper for those looking to invest from outside of the UK.

Key factors in obtaining a UK BTL

If you are looking to purchase a property in the UK, but live abroad, there are a number of key factors which will affect your ability to be eligible to apply for an expat mortgage. If you are currently living outside of the UK and are looking to refinance or purchase a UK Buy-To-Let investment, you must meet the criteria on the leaflet below.

UK Mortgage Leaflet

If you can answer YES to all of the requirements and you would like a remortgage or mortgage on a property with a maximum loan to value of 75%, which you want to rent out, the next step is to complete our UK Buy To Let Mortgage Calculator or call one of our helpful team members on + 44 (0) 1481 730 730.

Skipton International is a leading Guernsey bank and provider of UK Buy-To-Let mortgages for those non-UK residents. We are also one of the Channel Islands’ favourite lenders and serve customers resident in more than 100 countries around the world.

Telephone lines are open Monday - Friday from 8:30am to 5:30pm Greenwich Mean Time (GMT).


Please note Skipton International does not lend on properties located in Northern Ireland, Isle of Man or the islands of Scotland.

Is your earned income (not including commission, overtime or bonuses) or pension income over £40,000 per annum or the equivalent of £50,000 per annum if paid in local currency? Certain guaranteed allowances may contribute towards this figure. Any probationary period must be passed prior to applying. Any earned income cannot be subject to UK income tax.


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