UK Property Finance for Non-Residents
International & Foreign National Bridging
Buying UK property as a non-UK resident or foreign national has become harder, not easier — UK high-street lenders increasingly decline non-resident applications regardless of wealth, source-of-funds documentation requirements have intensified, and exit options are narrower. We bridge UK property purchases for international buyers across the wealth spectrum, for investment or business purposes, from £200k to £100m+ (larger facilities are possible), with KYC processes designed for cross-border complexity.
£200k–£100m+
Loan Size
12 to 24 months
Typical Term
some lenders go to 36 months
Up to 65% LTV
Typical LTV
Key Features
What We Offer
Non-UK residents accepted
No UK income, no UK tax residency, no established UK credit history required. We assess the asset, the source of funds, and the exit plan.
Trust & offshore structures
Jersey, Guernsey, BVI, Cayman commonly accepted. Less-common jurisdictions handled case-by-case with enhanced source-of-funds documentation.
KYC streamlined for established wealth
12–24 months bank statements, professional reference, tax-residency certificate. Cross-border KYC done right the first time, no shuttle of document requests.
GBP lending only, FX agnostic
We lend in GBP; FX hedging is your responsibility. Currency-arbitrage buyers — non-GBP wealth buying GBP-denominated assets — routinely use bridging at favourable FX moments.
£200k to £100m+
For investment or business purposes, from £200k to £100m+ (larger facilities are possible). Underwriting is more involved than a UK-resident deal, so smaller amounts don't justify the cost.
Returning UK expatriates
Bridge while domestic income re-establishes for long-term mortgage. Pre-relocation purchases supported.
Ideal For
Common Scenarios
Non-UK resident HNW individuals
Senior bridge up to 65% LTV, KYC streamlined for established wealth. Most common borrower profile for this product.
Foreign nationals with some UK history
Standard senior structure, slightly wider LTV considered where there's established UK presence (visa, prior property, business interests).
Returning UK expats
Bridge while domestic income re-establishes for long-term mortgage. Avoids the catch-22 of needing UK income to qualify for a mortgage to buy a UK home before you've moved back.
Trust / offshore structures
Bespoke underwriting; we work with lenders familiar with offshore vehicles and the additional legal review they require.
EU and Commonwealth buyers
Lower friction; UK has bilateral KYC arrangements with most. Faster underwriting than non-traditional jurisdictions.
What We Fund
International Bridging Use Cases
- •UK property bought for investment or business purposes by non-UK residents — London prime, regional residential and commercial
- •Foreign national investors buying UK BTL stock for income or portfolio diversification
- •Returning UK expatriates purchasing pre-relocation, before UK income/credit history is established
- •Cross-border families acquiring UK property for children's education or future relocation
- •Currency-arbitrage buyers — non-GBP wealth buying GBP-denominated assets at favourable FX
- •Trust and offshore structures holding UK property — Jersey, Guernsey, BVI, Cayman commonly accepted
How It Works
From Enquiry to Drawdown
Initial enquiry
Property, structure (personal vs trust vs corporate), residency status, wealth source. The structure question matters — it shapes the entire underwriting path.
Indicative terms
48 hours (slower than UK-resident due to KYC scoping). DIP letter your solicitor can rely on.
KYC + source of funds
Passport / visa / wealth-source documentation; bank statements typically 12–24 months. Trust or corporate borrowers add structure documentation.
Property valuation
RICS surveyor, standard for UK. Same as any UK-resident deal at this stage.
Legals
UK solicitor either side; offshore borrower's solicitor often involved for structure. We can introduce specialist UK firms experienced with cross-border conveyancing.
Drawdown
Typically 5–7 working days from full pack. Most of the timeline is KYC and source-of-funds review rather than property-side legals.
Loan Parameters
Headline Numbers
Loan size
£200k–£100m+
LTV
Up to 65% (tighter for KYC complexity)
Term
12 to 24 months; some lenders go to 36 months
Rates
Bridging rates start from 0.50% a month (first charge, under 50% loan-to-value, straightforward cases), plus a foreign-national premium of 25–50 bps
Charges
1st charge only on most foreign-national deals
Currency
GBP only; FX hedging is borrower's responsibility
Common Questions
International Bridging FAQ
Do I need to be UK tax resident to borrow?
What KYC documents do you need?
Can I borrow through an offshore trust or corporate vehicle?
What's the typical exit for a foreign-national bridge?
How fast can a foreign-national bridge complete?
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Real Results
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Ready to Discuss Your Deal?
Get an indicative quote or arrange a call with a specialist. If we can respond immediately we will, otherwise we'll call you back the same working day, often within a couple of hours.