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Global lending solutions for foreign nationals & expats

We provide tailored foreign national and expat finance solutions for worldwide investors, offering flexible criteria, competitive rates, and expert support. Enabling foreign nationals and expats to confidently invest in UK property with ease.

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Tailored lending solutions for international investors

We specialise in delivering unregulated UK buy-to-let mortgages for foreign nationals and expats looking to invest in the UK property market. Understanding the unique challenges faced by international investors, we offer tailored lending criteria that accommodate diverse income sources and residency statuses.  

Our competitive rates and dedicated underwriting team ensure smooth, efficient application processes, while personalised support guides clients through every step. 

Whether purchasing residential buy-to-let or investment properties, we simplify cross-border financing complexities. By partnering with us, worldwide investors gain reliable access to UK property opportunities with confidence, speed, and expert assistance tailored to their global needs.

Key lending criteria

  • Available to worldwide residents* (excluding FATF blacklist and sanctioned countries) and foreign nationals investing in UK real estate (UK bank account required)
  • Loans up to 拢20m
  • Up to 75% LTV for residential properties, 65% for commercial
  • Variable and fixed-rate options: 2, 3, or 5 years
  • Rental calculation: 130%
  • Lending across England, Scotland & Wales
  • Top-slicing considered for eligible customers who own two or more UK properties
  • No maximum age for limited companies or SPVs
  • Special Purpose Vehicle (SPVs), offshore entities, and discretionary trusts supported
  • Houses in Multiple Occupation (HMOs) & Multi-Unit Freehold Blocks (MUFBs) accepted, with no limit on bedrooms or units
  • No income required
  • No requirement to currently own a UK property
  • An agent for service based in the UK is required
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Why borrow with us?

Flexible residency criteria

We accommodate various residency statuses, making lending accessible for foreign nationals and expats investing in the UK

Flexible lending criteria

Adaptable eligibility requirements support diverse financial backgrounds of foreign nationals and expats

Tailored lending solutions

Customised lending products designed specifically for international investors with unique financial circumstances

Dedicated support

Expert guidance through complex cross-border lending processes, ensuring smooth transactions for your foreign investor clients

Additional highlights

Flexible residency criteria

We accommodate a wide range of residency statuses, enabling foreign nationals and expats to access UK finance

Flexible lending criteria

Adaptable eligibility requirements support diverse financial backgrounds, making lending accessible for international clients

New-to-UK investor friendly

We specialise in lending to clients newly entering the UK property market with minimal UK history

High loan-to-value options

Competitive LTVs give foreign nationals greater borrowing power for property investments

Simplified documentation process

Streamlined paperwork reduces complexity and speeds up lending approvals for international clients

Dedicated international support

Expert guidance through complex cross-border lending ensures smooth transactions for global investors

Interest calculation

130% rental coverage, with top-slicing considered for eligible clients

Wide property eligibility

Finance available for residential buy-to-let and investment properties across the UK, offering broad opportunities for international buyers


Unlock the potential of UK property investment from anywhere in the world. At 91看片, we provide tailored buy-to-let loans for foreign nationals and expats living abroad, designed to support global investors entering or expanding in the UK property market. Whether you鈥檙e seeking growth, income, or diversification, our flexible lending solutions work around you.

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Why international lending works now

International demand for UK property continues to grow, with foreign nationals and expats seeking diversification, stable returns, and long-term opportunities. Traditional lenders often impose strict residency or income requirements, creating barriers for global investors.

91看片 provides the flexibility, expertise, and tailored support needed to overcome these challenges, helping intermediaries deliver seamless access to UK property finance for clients worldwide.

Foreign nationals & expats frequently asked questions

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.

No. We will consider first-time UK property investors, including those without existing property holdings in the UK. We assess the client’s global financial position and take a pragmatic view on experience and intent.

91看片 will consider offshore SPVs, trusts, and company structures, provided the ownership and control can be clearly verified. Our team is experienced in navigating complex offshore arrangements.

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.