Foreign National Mortgages
Helping non-UK citizens buy property with confidence
Hi, I’m Liam at Drummonds Finance Group. If you’re a foreign national planning to buy a UK property or investment, I’m here to help you every step of the way.
Getting a mortgage as a non-UK citizen can feel tricky. Different lenders have different rules. Visa status, where you earn your income, and your UK track record all count. I aim to make things simple and straightforward so you can focus on finding the right property rather than worrying about the finances.
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What does “foreign national mortgage” mean?
When we say foreign national mortgage, we’re talking about mortgages for people who don’t have UK citizenship or permanent residence but want to buy a UK home or investment. That could be:
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Someone working in the UK on a visa
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Someone living abroad but buying here
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An EU or international citizen relocating or investing
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Someone on a Visa Exemption
Each case is different. Some lenders will help foreign nationals living in the UK. Others specialise in non-UK residents buying here. Because the rules are less standard, having the right broker matters. That’s where we come in.
Client Testimonies
Who we help
We regularly help:
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Professionals moving to the UK for work
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Overseas buyers purchasing for investment
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EU citizens living and working in Oxfordshire
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Foreign nationals who have a UK spouse or partner
Whether you are in Oxford, Bicester, London or overseas, we match you to lenders that are comfortable with your profile and plans.
What Lenders Look For With Foreign National Mortgages
When applying for a foreign national mortgage, lenders usually consider:
Your visa or status. You’ll need a right to remain in the UK, and most lenders like to see at least 6–12 months left on your current visa.
Your income. UK-based income is ideal, but some lenders can accept overseas income if it’s stable and supported by the right documents.
Your deposit. Most foreign nationals need a slightly higher deposit than standard applicants — usually 15–25% if you’re living in the UK, or more if you’re buying from overseas.
Your credit and banking history. A UK bank account and a basic credit footprint can help, but even if you’re new to the country, there are options available.
Your currency. If you’re paid in a foreign currency, some lenders will still help, though you’ll need extra documentation to show stable earnings.
Visa-Exempt Applicants and International Staff Mortgages
Some people don’t need a visa to live and work in the UK because of who they work for. These are known as visa-exempt applicants, professionals working under international agreements.
You might fall into this category if you work for:
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The European Space Agency (ESA) is based in Harwell, Oxfordshire
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The United Nations or the World Bank
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Major European institutions, such as the European Investment Bank
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Certain diplomatic missions or government-backed agencies
If you hold a visa-exempt ID or diplomatic status, your right to remain in the UK is linked to your official post rather than a standard visa. Lenders view this slightly differently, and some are far more flexible once they understand your employment background.
We’ve successfully arranged mortgages for international professionals from these organisations, even where income was tax-exempt or paid from abroad. It’s all about matching your situation with the right lender.
How We Help
At Drummonds Finance Group, we make the process simple, straightforward, and personal.
We’ll:
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Review your situation and explain your options in plain English
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Search the whole market to find lenders that fit your profile
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Handle paperwork, translations, and communication with solicitors
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Stay in touch from application to completion, so nothing feels confusing
You’ll always speak with a real person who understands your case, no call centres, no jargon.
Buying in Oxfordshire or from Overseas
Many foreign nationals choose Oxfordshire for its thriving economy, world-class universities, and excellent transport links. Whether you’re relocating for work, buying near Bicester Village, or investing in Oxford, we’ll connect you with lenders that understand local and international clients alike.
Even if you’re based overseas, we can arrange everything remotely, with secure document sharing, online meetings, and time-zone-friendly communication.
For other guides that may help, you can also explore:
Tailored Advice, Exceptional Service
Ready to Start?
If you’re a foreign national, visa-exempt professional, or overseas buyer looking for a UK mortgage, let’s talk. No pushy sales talk — just clear, honest advice from someone who’s helped many clients in your position.
📞 Call: 0330 1330034
💬 WhatsApp: Click to chat
📍 Based in Oxfordshire — helping clients across the UK and overseas