UK Mortgages
Residential, high-value, expat, buy-to-let and private bank mortgages — arranged by an independent brokerage with access to the entire lender market.
Two quick steps — a specialist will respond within one working day.
Last updated Reviewed by our Clifton International finance team.
In short
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 six to ten weeks.
At a glance
Figures reviewed:
Indicative figures for guidance only, correct as at July 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.
Last reviewed . Read the full Key facts methodology, or speak to our team for a quote based on your circumstances.
Why clients choose us
Bespoke lending on mortgages from £500k to £25m+, including private bank introductions.
Bespoke underwriting for HNW clients using AUM, bonus, dividend and international income.
UK mortgages for expatriates, foreign nationals and returning UK residents.
Individual and SPV structures for BTL, HMO, holiday let and multi-unit freehold blocks.
Interest-only structures with credible repayment strategies for qualifying borrowers.
Self-employed, contractors, business owners, retained profits and non-standard income sources.
Borrower eligibility
Typical lending criteria
Indicative only. Actual terms depend on borrower profile, asset and lender criteria.
Recent transactions
Published transactions from our own case study library — select any to read the full brief.
Hertfordshire · Mortgage
£809k · 60% LTV · 25-year term
£809k residential mortgage against a non-standard Hertfordshire countryside home — placed with a private bank willing to underwrite the unusual construction and refinance the existing bridge in full.
International · Expat
£2m · 65% LTV · interest-only remortgage
£2m interest-only expat remortgage on a prime UK residence for a HNW client with multi-currency income across three jurisdictions — placed with a private bank on preferential terms.
Cirencester · Expat BTL
£2.2m · 70% LTV · 25-year expat BTL
£2.2m expat buy-to-let mortgage for a Dubai-based UK national acquiring a prime Cirencester rental — arranged with a specialist lender comfortable with UAE income.
Frequently asked
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.
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A discreet, no-obligation conversation with a UK-based adviser who understands the full UK lending landscape — residential, bridging, development and commercial.