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.
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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.
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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.

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Abstract close up view of Corporate building windows in London

Key Features

Borrow up to 75% Loan to Value

Pay Rate from 3.99%

Min Loan from £150,000

Max Loan £15,000,000

Maximum mortgage term 15 years

Minimum mortgage term 5 years

Properties of standard construction

Freehold houses

Leasehold flats and maisonettes

Flats above retail shops
(some restrictions apply)

England, Scotland & Wales

Your new, personal team.

Getting the best of property financing has never been simpler.

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FAQs

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.

More info

Highly Experienced, Relationship Driven, Solution Focused.

Speak to a Funding Specialist

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Merryoaks is a trading name of Merryoaks Property Finance LTD. © Merryoaks, 2023. Your home may be repossessed if you do not keep up repayments on your mortgage or on any other loans secured on it.

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Foreign National
Buy to Let Mortgages