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40+ lendersWhole-of-market panel
8–14 weeksTypical completion
Rated ExcellentClient reviews
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Last updated Reviewed by our Clifton International finance team.
In short
How do UK mortgages work for international buyers?
International and expat buyers can generally borrow up to 75% of value on UK property, on personal or limited-company terms, over five to thirty years. Lending is assessed on documented income, and a well-prepared application typically completes in eight to fourteen weeks.
Foreign-currency income in USD, EUR and AED is accepted by specialist lenders.
Residential, buy-to-let and holiday-let purposes are all catered for.
Limited-company and SPV structures are standard for buy-to-let.
Private banks can support larger prime London purchases.
At a glance
Key facts
Figures reviewed:
Loan size
£100k – £25m+
Loan-to-value
Up to 90%
Term
Up to 35 years
Interest-only
Available
Income multiples
Up to 6x (select)
Typical set-up costs
1.5% – 2.5% of loan (arrangement, valuation, legals)Excludes stamp duty; non-resident surcharges may apply.
Indicative figures for guidance only, correct as at October 2026. Rates, costs and timelines vary by lender, borrower profile, asset and jurisdiction, and are not an offer of finance. How we derive these figures.
Methodology and assumptions
Figures are compiled by Clifton International specialists from live lender term sheets, indicative quotes and completed transactions arranged over the preceding 12 months.
Rates and costs are stated as ranges rather than a single number because pricing is set case-by-case on borrower profile, residency, asset type, location and loan-to-value.
Timelines assume a complete document file from the outset; valuation, legal capacity and (in Spain) NIE and notary availability drive the critical path.
Costs exclude any lender, broker or third-party fees not stated on the page, and exclude currency movement between agreement and drawdown.
Figures are reviewed monthly and re-checked against lender pricing whenever a material market change occurs.
Last reviewed . Read the full Key facts methodology, or speak to our team for a quote based on your circumstances.
Yes — large and million-pound mortgages are a core specialism, with direct access to UK private banks and specialist high-net-worth lenders for cases from £1m to £25m+.
Yes. We arrange UK residential and buy-to-let mortgages for British expatriates, returning UK residents and foreign nationals purchasing UK property, including borrowers paid in USD, EUR, AED and other major currencies.
Yes. Self-employed, company director, bonus, dividend, retained profits, LLP partner and international income cases are routine — we place them with lenders that underwrite manually rather than by algorithm.
In select cases yes. Professionals and HNW borrowers can access 5.5x–7x income through private banks and specialist lenders, subject to affordability, deposit and overall profile.
Typically 10–25% for UK residents and 25–40% for expats and foreign nationals. Some private bank arrangements allow lower deposits against a broader assets-under-management relationship.
Yes — buy-to-let and portfolio landlord mortgages via SPVs are widely available, and we regularly arrange structured lending for HNW clients purchasing through corporate or trust structures.
Yes. Clifton International is authorised and regulated by the Financial Conduct Authority for regulated mortgage business in the UK.
Currency exchange
Funds coming from abroad? Plan the currency with the finance.
If any of your deposit, proceeds or income is held outside sterling, the rate you convert at matters as much as the mortgage rate. We can introduce you to an FCA-authorised currency specialist so your funds arrive on time for completion.
Fix today’s rate for a future completion date
Typically tighter margins than a bank international transfer
Transfers coordinated with your solicitor’s completion timetable
Clifton introduces clients to a specialist currency partner and does not hold, convert or transfer client funds.
Many of our clients hold Spanish and UK property, or are deciding between the two markets. Our international mortgage hub sets out what we arrange in each country, so you can compare the options side by side before you enquire.
A discreet, no-obligation conversation with a UK-based adviser who understands the full UK lending landscape — residential, bridging, development and commercial.
