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Buy-to-let for foreign nationals & expats

Our tailored lending solutions help foreign nationals and expats access UK property with confidence, offering flexible finance, expert guidance, and support to invest, grow, and manage property portfolios from anywhere.

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Lending designed for international investors, foreign nationals and expats

Our lending solutions for foreign nationals and expats make accessing UK property simple. Whether you鈥檙e investing from abroad or relocating, we provide flexible finance, tailored support, and expert guidance to navigate the UK buy-to-let market.聽

We fund a variety of property types, including residential homes, Houses in Multiple Occupation (HMOs) and Multi-Unit Freehold Blocks (MUFBs) along with competitive criteria. We help global investors build, manage, and grow property portfolios efficiently.

Why invest now

UK rental demand continues to rise. With higher loan amounts, flexible structures, and specialist support, international investors are well placed to expand, consolidate, or diversify property portfolios with confidence.

Why borrow with 91看片?

Tailored finance solutions

Lending designed to match global investment strategies and complex portfolios

Higher loan amounts

Access significant funding to acquire multiple or high-value properties

Flexible asset classes

Finance available for HMOs, MUFBs, and mixed-use developments

Flexible terms

2, 3, or 5-year fixed rates with repayment terms up to 30 years

Key lending criteria for foreign nationals & expats

  • Loans up to 拢20m
  • Up to 75% LTV for residential, 65% for commercial
  • Variable and fixed-rate options available: 2, 3, or 5 years
  • Rental calculation: 130%
  • Flexible terms fixed up to 30 years
  • No maximum age for limited companies or SPVs
  • HMOs & MUFBs accepted
  • No income required
  • Lending across England, Scotland & Wales
  • Top-slicing considered for eligible customers who own two or more UK properties
  • Support for Special Purpose Vehicle (SPVs), offshore entities, and discretionary trusts
  • Available to worldwide residents and foreign nationals (UK bank account required; excludes FATF blacklisted and sanctioned jurisdictions)
  • An agent for service based in the UK is required
make a lending enquiry

Additional highlights

No UK residency required

We finance clients globally, with no UK income or property needed (UK bank account required)

Higher loan amounts

Borrow up to 拢20m for single or multiple properties 

Flexible asset classes

Residential, HMOs, MUFBs, and semi-commercial accepted

Complex structures

We support Special Purpose Vehicles (SPVs), offshore entities, and discretionary trusts

Rental income flexibility 

130% rental coverage for basic-rate taxpayers or limited companies

Flexible terms

2, 3, or 5-year fixed rates with terms up to 30 years

UK-wide coverage

Lending available across England, Scotland, and Wales

No portfolio size limit

Suitable for both new and experienced international investors


Foreign nationals & expats frequently asked questions

Our products support expats and foreign nationals investing in UK property, with tailored guidance. Subject to due diligence requirements and a UK bank account is required.聽

Submit your details and property information, we verify income and structure, then complete underwriting and valuation before releasing funds.

We lend on a wide range of property types including standard residential, HMOs, MUFBs, semi commercial and commercial properties.聽

Yes, we specialise in lending to clients new to the UK, even with minimal credit history.

We consider a wide range of residential and investment properties across the UK for all applicants.

We offer up to 75% LTV, depending on property type and borrower profile.

No, as rental calculations are based on the property itself rather than strict income requirements.

We typically lend up to 75% of the property purchase price taking into account expected rental income and other factors. Each application is assessed on it鈥檚 individual requirements and our maximum loan amount is 拢20 million.

Dedicated relationship management, tailored solutions, and expert advice to help you manage and grow your portfolio effectively.

Yes. 91看片 offers buy-to-let loans to foreign nationals and non-UK residents*, including those who have never lived or worked in the UK. We consider a wide range of international borrowers, subject to due diligence and a UK bank account is required.聽

*Excludes FATF blacklisted and sanctioned jurisdictions.

It鈥檚 a buy-to-let mortgage tailored for non-UK residents or foreign nationals investing in UK property. Subject to due-diligence checks and a UK bank account is required. 91看片 only offers unregulated BTL mortgages which are designed specifically for investment purposes only.

Speak to a specialist today to get personalised guidance and tailored property lending solutions, helping you confidently make the right buy-to-let investment decisions.

Enquire now