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Mortgages for Foreign Nationals

  • Tier 1 & 2 Visas
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  • No Minimum Time in UK
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  • From 5% Deposit
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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
SBS 1.14% Fixed Apr-2023 4.64 3.8 30-Apr-2023 £1479
CLY 1.19% Fixed Mar-2023 4.55 4 2 years £1476
CNW 1.22% Fixed Jun-2023 3.59 3.2 30-Jun-2023 £1481
TSB 1.24% Fixed May-2023 3.59 3.3 31-May-2023 £1480
HSB 1.24% Fixed May-2023 3.54 3.3 31-May-2023 £1480
HSB 1.24% Fixed May-2023 3.54 3.3 31-May-2023 £1480
TSB 1.24% Fixed May-2023 2.59 2.5 31-May-2023 £1480
BNW 1.24% Fixed 2 years 3.59 3.2 2 years £1476
BNW 1.24% Fixed 2 years 3.59 3.3 2 years £1476
BNW 1.24% Fixed 2 years 3.59 3.2 2 years £1476
*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.

 

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Excellent service.

By: Mark Kemp
The remortgage was very clearly explained by the team. I was very pleased with the communication aft....
For service -  Resi/Remo/Lambourn
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Amazing service and great advice.

By: Andy
The RockHopper team were amazing and went out of their way to ensure I had a great experience and th....
For service -  Resi/Remo/Lambourn
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Miracle workers!

By: Dawn Crawford
David at RockHopper was friendly, reassuring and knowledgeable with our very difficult case. Ultimat....
For service -  Residential Purchase
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Totally professional and deicated to suceed.

By: Robert Payne
The team that address my application done it with such professionalism even through a difficult oper....
For service -  Resi/Remo/Bekynton
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By: Kenneth & Yvonne Stoves
Good service apart from length of time from start to completion due to this virus and other anomalie....
For service -  Resi/Purchase/Calder Road
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By: Stephen Boyd
Great service above and beyond the call of duty. Special mention for Rob Killeen, who achieved the a....
For service -  Resi/Remo/Kingston Hill
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RockHopper was the ONLY company that was able to help us secure a mortgage due to just having moved ....
For service -  Resi/Purchase/Cartvale
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Excellent

Excellent service from David Rostron. Always very quick to respond to queries and ended up getting m....
For service -  BTL/Purchase/Grand Union
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Great Service providing mortgages different to standard

By: Ryan Finnigan
Great offering, over and above what is the norm and go to a wide variety of lenders. Able to take al....
For service -  Resi/Purchase/TheCoachHouse
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Good service and communications

Very good service and advice. Helpful throughout the process of obtaining a mortgage and getting a g....
For service -  Resi/Remo/Carpenter
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By: Helen Murray
On the ball all the way until I got the mortgage offer, highly recommend Rockhoppers, even throught....
For service -  Resi Purch / Ingram Road
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Brilliant Service

By: Joe and Lucy
We were delighted with the service provided by Rockhopper. David Rostron and his team were incredibl....
For service -  Resi/Purchase
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Absolutely fabulous

By: Kevin Howe
Rockhopper managed to arrange and obtain me the best mortgage on the market for my needs even at a t....
For service -  Purchase
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Would definitely recommend RockHopper!

By: Brian Hughes
On hand when needed and open and upfront about costs ec.....
For service -  Purchase
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David Rostron went above and beyond in helping me to secure the right mortgage offer. He has now he....
For service -  Further Advance
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Easy to work with

Worked with me to ensure efficiency and the best offer for me given my constraints. Easy to work wi....
For service -  BTL Remo
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Would recommend to anyone!!

By: Ben
David and the team were excellent at getting the mortgage product we needed to secure our dream home....
For service -  Purchase
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Great service....
For service -  Residential Remortgage
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Great service throughout the process, very professional

Great service throughout the process, Very professional staff who have kept us well informed at all ....
For service -  Residential remortgage
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I would recommend Rockhopper and use them again. Our mortgage wasn’t straightforward but they foun....
For service -  Self Employed Buy to Let Remortgage
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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, Blackwell House, Guildhall Yard, London, EC2V 5AE

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, Blackwell House, Guildhall Yard, London, EC2V 5AE

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