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Foreign National
Buy to Let Mortgages

The UK property market is renowned the world over for its attractive and reliable investment yields. In recent years, international investors have considered UK property to be one of their favourite asset types. The country has proved to be a relatively stable economy with a safe political landscape that provides comfort and appeal to investors.

As a foreign national, it can be difficult to know where to start when investing in the UK. At Merryoaks, our team have 40+ years of experience in property investment and development finance and are able to guide you through the funding process.

With access to a wide variety of lenders, whether you are buying your first UK property, adding to your portfolio or refinancing an existing investment - we can help you secure the best buy to let mortgage rates to ensure your deal is a success.

Market-Leading Rates & Terms

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Borrow up to 75% Loan to Value
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Pay Rate from 3.99%
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Min Loan from £150,000
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Max Loan £15,000,000
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Maximum mortgage term 15 years
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Minimum mortgage term 5 years
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Properties of standard construction
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Freehold houses
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Leasehold flats and maisonettes
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Flats above retail shops
(some restrictions apply)
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England, Scotland & Wales

Frequently Asked Questions

What nationalities can invest in UK property?
Below is a short list of countries we can help nationals:

- Australia
- Brazil
- Brunei
- Canada
- China
- France
- Germany
- Hong Kong
- India
- Indonesia
- Japan
- Macau
- Mexico
- New Zealand
- Phillippines
- Qatar
- Saudi
- Arabia
- Singapore
- South Africa
- South Korea
- Switzerland
- Taiwan
- United Arab Emirates
- United Kingdom
- United States of America
- Vietnam
What deposit is required for a Foreign National Buy to Let Mortgages?
Most lenders require a minimum deposit of 25%. Some lenders will even accept deposits of 15%. This depends on the type of property you are purchasing, your experience in property, credit history and affordability.
What is the lending criteria for Foreign National Buy to Let Mortgages?
Lenders require foreign nationals to provide the source of any funds used for the mortgage deposit.

First-time buyers and first-time landlords are accepted by most lenders.
What are the costs associated with Foreign National BTL mortgages?
When taking out a buy to let mortgage in the UK, you will typically need to pay for:
- Loan deposit
- Broker feesLender application/booking fees
- Valuation feesMortgage product fees
- Mortgage exit fees

The cost of these will vary depending on the complexity of the deal and the lender.

Currencies Direct are market-leading FX and international payment solutions helping businesses all over the globe manage the complexity, risk and cost often associated with making currency transfers and international payments.

Merryoaks have partnered up with Currencies Direct to further support our clients manage their funds when investing in the UK.

This can be helpful when paying the deposit and fees associated with a buy to let mortgage as well as transferring the income generated from the property.

Click here to get a free transfer quote now.

Why Merryoaks?

The Merryoaks Property Finance team have a long and successful background in finding and providing creative financial solutions for property investors and developers throughout the UK. Our aim is to help you fund your next investment or development project and be part of your on-going growth to bigger and better deals.
40
+
Years of Property Experience
£
231
M
Total secured funds
since 2020
1529
Properties funded in the past 18 months

How we help you

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Time Saving Consultation

We know you need your funds exactly when you need them and as such, we appreciate how important it is to have a personal and dedicated point of contact providing one-to-one support. By understanding its importance, each client has a dedicated person to be the point of contact throughout the solution-finding process.

By assigning a dedicated person to your case, we will better understand you and your situation, allowing our relationship to develop thus supporting you in resolving your situation, discreetly, efficiently and effectively.

Thorough Analysis

We understand how stressful some situations can be and how important it is to say “yes, we can help”. That is why we do not adopt a tick-box mentality. With our background as investors, developers, estate agents and lenders, we Instead consider all options carefully with your best interests at heart. It is essential we understand your difficulties as well as your aspirations. This allows us to provide tailored and individual advice. Due to our extensive and broad background we are able to carry out appraisals, create investment memos, court investors and funders on your behalf to bring you the best finance solution.

In some complex cases, our professional industry contacts will aid us in solving the problem. Rest assured that there is a solution out there to help you and the situation you are in. We are here to help you find it and work through it.

Efficient Application Process

To ensure minimal friction and the best results, we make sure the application is as thorough as can be to minimise back-and-forth between you and the lender.

Between the team, we have vast experience in this area and we will guide you through this process whilst you focus on maximising your business growth, increasing your returns and making the most of your most valuable commodity, time.

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Highly Experienced, Relationship Driven, Solution Focused.

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Contact Info
+44 (0) 203 797 7559info@merryoaks.com
Merryoaks is a trading name of Merryoaks Property Finance LTD. © Merryoaks, 2021.