International clients
UK mortgage advice for clients whose finances extend beyond the UK.
Intra supports foreign nationals, UK expats, overseas earners and international property investors navigating UK mortgage and property finance.
International experience
3,000+
International clients
Global reach
20+
Countries represented
Mortgages for international clients
Which international circumstances apply to you?
Start with the part of your circumstances that is most relevant to the mortgage requirement.
Nationality & residency
Foreign Nationals
→UK mortgage advice for clients who are not UK nationals, including applicants living in the UK and those based overseas.
Explore Foreign Nationals
UK clients overseas
UK Expats
→Mortgage advice for UK nationals living abroad who are purchasing, refinancing or investing in UK property.
Explore UK Expats
Foreign income
Overseas Income
→Mortgage advice where income is earned outside the UK, including salaries, bonuses, business income and other international earnings.
Explore Overseas Income
Property investment
International Buy-to-Let
→UK property investment finance for international clients purchasing or refinancing residential investment property.
Explore International Buy-to-Let
Cross-border circumstances
The property may be in the UK. Your financial life does not have to be.
International clients can face additional lender criteria even where the underlying mortgage requirement is straightforward.
Residency, nationality, visa status, income currency and source of funds can all influence which lenders are able to consider an application.
The appropriate lender therefore depends not only on the property and borrowing required, but on the countries and financial structures involved in the wider case.
Who we help
International circumstances can take many different forms.
There is no single type of international client. Residency, nationality, income and property purpose can all produce different lender requirements.
01
Foreign nationals living in the UK
Clients may have UK residency and income while holding another nationality, creating lender considerations around visa status, residency history and documentation.
02
Clients based overseas
Applicants living outside the UK may require lenders comfortable with overseas residency, foreign income and international documentation.
03
UK expats
UK nationals living abroad may be purchasing a home, maintaining UK property or investing while their primary income is earned overseas.
04
International investors
Clients may purchase UK investment property personally or through company structures while residing and earning outside the UK.
05
High-net-worth clients
Larger loans, substantial assets and more complex international financial positions can involve specialist lenders or private-bank consideration.
06
Clients with multiple jurisdictions
Income, assets, residency and property ownership may span several countries, requiring a more detailed understanding of the overall position.
International experience
Experience supporting clients from more than 20 countries.
Intra has supported more than 3,000 international clients from over 20 countries, including Türkiye, Saudi Arabia, the UAE, the United States, Canada and countries across Europe.
That experience includes clients purchasing homes, second residences and investment property in the UK while living, working or holding assets overseas.
3,000+
International clients
20+
Countries represented
What lenders consider
International cases often involve additional layers of underwriting.
The precise requirements vary by lender, country, income structure and property purpose.
01
Residency
Where the client currently lives can materially affect the lenders available and the documentation required.
02
Nationality
Nationality can form part of lender criteria, although the impact varies depending on residency, visa position, income and wider circumstances.
03
Visa status
For clients living in the UK on a visa, some lenders apply specific requirements around visa type, remaining term and residency history.
04
Income currency
Income earned in a foreign currency may be treated differently by lenders and can be subject to additional affordability adjustments.
05
Source of wealth & funds
International applications can involve more detailed verification of deposits, assets and the source of funds used for the transaction.
06
Property purpose
The lender approach can differ depending on whether the property will be a main home, second residence or investment property.
Overseas income
Foreign income can be assessed very differently between lenders.
A lender may consider salary, bonuses, business income or other earnings received outside the UK, but accepted currencies and affordability calculations can differ materially.
Some lenders may also apply additional adjustments when converting overseas earnings into sterling for affordability purposes.
Higher-value borrowing
Larger international cases can involve a broader lender strategy.
Clients with substantial borrowing requirements, complex income or significant assets may require consideration across mainstream lenders, specialist lenders and private banks.
The appropriate route depends on the complete financial position rather than nationality or loan size alone.
Explore large mortgages→
UK property investment
Property finance for international clients investing in the UK.
International clients may purchase UK investment property personally or through a company, with residency, income and ownership structure influencing the lender market available.
The property's expected rental income, deposit and wider financial circumstances all remain important parts of the assessment.
Explore buy-to-let for international clientsThe Intra approach
Understand the international circumstances before selecting the lender.
Our process considers residency, nationality, income, assets, property and borrowing requirements before lender research begins.
Understand your circumstances
We begin by understanding your nationality, residency, income, assets, property plans and the countries involved in your wider financial position.
Review the documentation
Your adviser considers the income and identification evidence available, including overseas documents where relevant.
Research lender criteria
Different lenders have different approaches to foreign nationals, expats, overseas income, visas, currencies and international property investors.
Structure the application
Once an appropriate route has been identified, we prepare the application around the lender's requirements and the international aspects of the case.
Manage underwriting
Our adviser and administration team remain involved throughout lender queries, valuation and any additional documentation or verification required.
Complete
We continue to support the case through mortgage offer and the wider transaction through to completion.
Lender access
International client criteria varies substantially between lenders.
Different lenders have different approaches to residency, nationality, visas, overseas income, foreign currency and international property ownership.
Lender availability and suitability depend on individual circumstances, residency, nationality, income, property and lending criteria.
Why Intra
Experience with clients whose financial lives cross borders.
International cases can require more detailed lender research and case preparation than a straightforward UK-resident application.
01
Understand the international position
We establish residency, nationality, income, assets and the countries relevant to the application.
02
Review the evidence
International income and documentation are considered before lender research begins.
03
Research appropriate criteria
Different lenders can assess the same international circumstances in materially different ways.
04
Manage the application
Our adviser and administration team support the case through underwriting, valuation, mortgage offer and completion.
Frequently asked questions
Mortgage questions for international clients.
These answers are general. Available options depend on residency, nationality, income, property and lender criteria.
01Can foreign nationals get a UK mortgage?
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Can foreign nationals get a UK mortgage?
Potentially. A range of lenders consider foreign nationals, but eligibility depends on factors such as residency, visa status, income, deposit, credit profile and the property being financed.
02Can I get a UK mortgage if I live abroad?
+
Can I get a UK mortgage if I live abroad?
Potentially. UK expats and other clients living overseas can access UK mortgage lending, although the lender market and underwriting requirements can differ from those applying to UK-resident borrowers.
03Can overseas income be used for a UK mortgage?
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Can overseas income be used for a UK mortgage?
Potentially. Some lenders accept income earned outside the UK, although accepted currencies, income types and affordability calculations vary.
04Do I need a UK credit history?
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Do I need a UK credit history?
Not in every case. Some lenders may consider clients with limited UK credit history, but residency, documentation and wider financial circumstances can become more important.
05Can I buy UK property through a company?
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Can I buy UK property through a company?
Potentially. Company borrowing may be available for property investment, including for some international clients, subject to the company, directors, shareholders, residency and lender criteria.
06Can international clients get buy-to-let mortgages?
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Can international clients get buy-to-let mortgages?
Potentially. The available lenders depend on residency, nationality, income, deposit, property, ownership structure and wider circumstances.
07Can Intra help with larger loans for international clients?
+
Can Intra help with larger loans for international clients?
Potentially. Larger borrowing can involve mainstream lenders, specialist lenders or private banks depending on the loan size, income, assets, residency and wider financial position.
Your home or property may be repossessed if you do not keep up repayments on your mortgage or other loan secured upon it.
International clients
Discuss your UK property plans with a team experienced in international clients.
Tell us where you live, how you earn your income and what you are looking to finance in the UK.
enquiries@intra-pf.com