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Mortgages for Foreign Nationals

  • Tier 1 & 2 Visas
  • Ancestry & Entrepreneur
  • Spouse Visas
  • No Minimum Time in UK
  • No Minimum Time on Visa
  • From 5% Deposit
  • Non Stirling Income
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Mortgages for Foreign Nationals

The rules and criteria for foreign nationals obtaining a mortgage in the UK are complex. Typically, customers using our service tell us they have spoken to their bank or other mortgage consultant, only to be let down at the last minute. A number of mortgage lenders provide decisions in principle to foreign nationals, but when it comes to the full underwrite, soon realise that they pose very different challenges. This can lead to both disappointment and the inevitable wasted costs and energy on both sides.

We deal with numerous foreign nationals on a visa, looking to buy their first home. On contact, they often tell us they are nervous about the whole finance process. There are thousands of loan products being advertised nationally but they appreciate they may not meet the criteria for the majority of the advertised interest rates. They share with us that they are anxious they will get caught out by the small print.

Many foreign nationals we speak to want to own their own home, or take advantage of the right to buy and see it as a more cost effective option to renting. In addition they understand that on becoming a UK homeowner, their eventual entitlement to permanent rights to reside may be strengthened.
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The also appreciate that the terms of any Visa are not indefinite and we will need to assess how long remains from the outset.

Our Process

As a UK specialist mortgage company, we understand that buying a home, for most people including skilled migrants, is the biggest single investment they make. It therefore pays to seek proper professional advice from an expert.

On making contact, we will assess your situation and the terms of your visa, be it a skilled migrant visa or other form of permissions. We will look at your time here in the UK and consider both the family and employment ties you have secured. We will look at the time remaining on your Visa and also consider the long term affordability of the mortgage, based not on interest rates today, but also those longer term.  This will make sure you can fully satisfy the lender of your financial commitments and can meet the repayments and monthly instalments.

We will seek to produce you a formal decision in principle from the finance provider and this document is important, given it will allow you to show it to estate agents, will clearly let them know you are serious and in the market to purchase a new home. It will officially indicate your ability to obtain credit and provide you, the customer, with the assurance, that once the flat or house purchase is agreed, you are able to complete on the transaction.

The decision in principle will be accompanied by a helpful detailed loan illustration which provides full details on the set up costs and charges of the finance. This will include not only the initial interest rate, but future interest rates, lender arrangement fees and any penalty periods. We will also be able to indicate to you upfront, the incidental liabilities and costs such as valuation and survey charges, solicitor’s fees and stamp duty. It is these charges, which can often be hidden when comparing mortgage products and full disclosure, allows you to make an informed choice.

Deposit Requirements

We understand that foreign nationals in the UK, trying to obtain a foot on the property ladder, may not necessarily have a substantial deposit.  Even if you have a modest deposit we may be able to assist.

Many customers tell us they have previously experienced difficulty when money, being used for the deposit, is abroad in a foreign bank account. There are a range of UK anti-money laundering regulations and often, foreign nationals run into difficulty when these regulations are applied. Lenders understandably, often want clients to have been saving regularly from income sources derived from the UK and these funds may need to be evidenced in a UK bank account.

We are specialists in this area and will be able to advise on your first telephone call to us as to whether you will fall foul of the regulations or whether we can provide an appropriate, lawful explanation to the lender, to accept the income coming in from abroad. We are typically successful in these circumstances.

Types of Visa

There are a number of visas issued in the UK. The Tier 1 visa, previously known as the High Skilled Migrant Visa is often granted to professionals or those with a skill-set in high demand. This allows the holder to work anywhere in the UK.

Tier 2 visas are usually employee sponsored visas and the rights under such an arrangement are more limited. In the event the holder was made redundant or was unemployed, the rights to reside in the UK expire as they are dependent on the employer effectively sponsoring the worker. It is not uncommon for those on Tier 2 visas to experience more difficulty in arranging finance and we are specialists in assisting Tier 2 visa holders.

We also find it is not uncommon for one partner to have a spousal visa or a dependent relative visa. These are also problematic as they are conditional upon the other partner maintaining visa rights and home loan lenders, when making a lending decision, have to build any uncertainty into their finance decision.

We have a particularly specialism for those on entrepreneurial visas and those who may have right to reside through an ancestry visa.

As UK experts in this area, whatever the type of visa you hold, you can be rest assured that we will likely have helped someone in similar circumstances. We use our relationship with the lender to talk through the full circumstances and position the application in order to obtain maximum success. In order to do this, you will need to assist us with full details of your employment, including not only your income, but also an up-to-date CV, your potential future career path and long term intentions to remain here in the UK.

As foreign national mortgage experts we have helped many clients achieve their goal of owning their own home. If you work and live here, we may be able to assist. Call us now to discuss your requirements or simply complete the online enquiry form and One of our specialist consultants, will make contact.

 

Best Deals -Purchase

Lender Initial Rate Type For Then APRC* ERC* Fee
BHX 1.15% Tracker Mar-2022 4.24 3.8 31-Mar-2022 £1466
BHX 1.15% Tracker Mar-2022 4.24 3.8 31-Mar-2022 £1466
BHX 1.17% Fixed Mar-2022 4.24 3.8 31-Mar-2022 £1466
BHX 1.17% Fixed Mar-2022 4.24 3.8 31-Mar-2022 £1466
CNW 1.21% Fixed Mar-2022 4.24 3.8 31-Mar-2022 £1466
BWO 1.21% Fixed Jan-2022 4.24 3.9 31-Jan-2022 £1464
CNW 1.24% Tracker Mar-2022 4.24 3.9 31-Mar-2022 £1466
BHX 1.26% Tracker Mar-2022 4.24 3.8 31-Mar-2022 £1466
BHX 1.26% Tracker Mar-2022 4.24 3.8 31-Mar-2022 £1466
POS 1.27% Fixed Jan-2022 4.74 4.3 31-Jan-2022 £1464
*APRC = Annual Percentage Rate of Charge
*ERC = Early Repayment Charge
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

The mortgage products displayed above are as a result of the following search:
Reason for Mortgage: Purchase; Property Valuation: £200000; Mortgage Amount: £120000;Payment Method: Repayment; Mortgage Term: 25 years; Mortgage Product: All Offset: No Product Term Period From: 0 Months; Product Term Period To: 300 Months; .

The mortgage deals shown above are subject to individual status and a suitable security property. You may not be eligible for some or all of the deals shown given your status and/or the nature of the security property. For a more accurate indication as to mortgage deals you are eligible for, please contact us to discuss your specific situation and/or property.

 

Specialist Low Rate Mortgages

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Feefologo

By: Adesuwa Tilling
Communication and responses from them were efficient. I rated 4 stars because of the length of time ....
For service -  Lodger Income Remortgage
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Superb service by Troy and his team patient professional and trustworthy

Excellent Explained all steps of mortgage clearly and efficiently No hitches or hidden charges Hig....
For service -  Mortgages for Medical Professionals
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The impossible

Troy was unbelievable- nothing was too much. I have moved into the house of my dreams and never thou....
For service -  Mortgage 5-6 Times Income
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Excellent Service

I would certainly use them again (although I hope not to have to do so). Troy was helpful and reassu....
For service -  .
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Very efficient service

Extremely helpful and efficient service, perfect for the self-employed looking for the right options....
For service -  Resi Purch
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Excellent, unparalleled service!

By: Dr Kate Jordan
Rockhopper’s services were excellent. They were able to find us a mortgage that met our needs, wal....
For service -  MedicalBursary
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They were so helpful and so friendly too.l would recommend using them!!!

By: Shafique Miah
Well they were so helpful and so friendly too. And yes I would use them again. I would recommend ....
For service -  Right to Buy
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By: Mark Cater
RockHopper - amazing service, after initial consultation of fact finding to help, they could, David ....
For service -  Transfer of Equity Remortgage
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Happy that we chose Rockhopper

I would very much deal with your company again. You were always there to help us understand anything....
For service -  Lending into Retirement
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Made the complexities really easy and painless

Really great service. I had complex requirements and a large loan and they just were great in terms ....
For service -  LargeLoanOnwardPurchase
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Great service

By: Brian Paine
They listened to what we wanted, found the product, were great with the paperwork. Were also very po....
For service -  Older Borrower
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Highly recommended - a professional, efficient and effective service.....
For service -  Complex Self Emp
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excellent service.

By: Robert Owen
Very professional service and with knowledgeable staff who were approachable and dealt with my inqui....
For service -  Self Employed Mortgage
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Helpful, Resourceful and successful!

By: Michael
The team were really helpful and resourceful when listening to my requirements and finding a suitabl....
For service -  Self Employed Mortgage
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By: Vanessa Barnes
Everything was explained easily, always there to help and very knowing of the market. Made getting t....
For service -  Self Employed Mortgage
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Good friendly service....
For service -  Interest Only Remortgage
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Excellent customer service, I would highly recommend.

All of the staff at Rockhopper that I spoke to during my mortgage application were knowledgeable and....
For service -  Mortgages with Bursary Income
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By: Joe Crosby
Excellent advice throughout. My only complaint, if I had to think of one, is that I would prefer to....
For service -  Self Employed Mortgage
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Rockhopper we're extremely professional in finding a mortgage for us. They presented the options ver....
For service -  Complex Income Mortgage
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RockHopper Mortgages is a trading style of RockHopper Origination Limited who is an appointed representative of HL Partnership Limited which is authorised and regulated by the Financial Conduct Authority.

RockHopper Origination Limited is a company registered in England and Wales with company number 10241688. Registered Office: Rockhopper Mortgages, 4th Floor, 128-129 Cheapside, London, EC2V 6BT

The information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

CONTACT US

Tel: 0203 621 5696
Fax: 0203 621 5697
Email:info@rockhopper.uk.net

Address: Rockhopper Mortgages 4th Floor, 128-129 Cheapside, London, EC2V 6BT

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