Helping Foreign Nationals buying in the uk There are some exceptional Remortgage deals that we are still able to arrange despite the current situation Learn more →

How To Get a Mortgage as a Foreign National

G Force Mortgages Ltd have been helping clients with their mortgage process over the last three decades, it's what we do best. It's important to us to make achieving a mortgage and a home as easy and straightforward for as many people as we are able to.

It hasn't always been easy for non-UK citizens to get a mortgage and become homeowners, but because of our knowledge and expertise in this area we are able to help both EU and non EU foreign nationals.

Mortgage lender for non-UK residents

G Force Mortgages Ltd is an independent mortgage broker with whole of market access, meaning we have contacts across the entire UK mortgage market. This means we can quickly find you the very best rates and fees on mortgage borrowing currently available from across the entire market.

Foreign national mortgage case study

Residential mortgage for foreign national resident in the UK

Area: London

Capital raised: £250,000

We are often asked to provide help with arranging mortgage finance for a foreign national client living & working in the UK.

We were approached by a foreign national client who wanted to remortgage a flat he owned in South London worth £720,000. Our client wished to raise £250,000 from his flat for business purposes. Unfortunately many high street lenders do not permit this under their lending criteria.

Our solution

Using G Force mortgage's lender expertise, we were able to source a competitively priced mortgage option to enable him raise capital in order to use for his business.

Get a mortgage quote from us today

Whichever type of mortgage you need, give us a call on 01843 791606 or fill out our quick enquiry form today.

Common Mortgage Terms

Agreement in Principle (AIP)

Even though an Agreement in Principle (AIP) isn’t required, some lenders will insist that you have one. An AIP is a written estimate from the lender, giving you an indication of what you could borrow, and can be really helpful.

An Agreement in Principle (AIP), also known as Approval in Principle, Decision in Principle, Mortgage in Principle, or a Mortgage Promise, is a written estimate from a lender stating what you might be able to borrow. You can usually get an AIP within 24 hours and it is normally valid for up to 90 days.


Conveyancing is the legal transfer of a property from one owner to another. The process involves a conveyancing solicitor or licensed conveyancer who acts on behalf of the buyer to ensure their client receives the title deeds to the property and the land it sits on. Conveyancing encapsulates the entirety of the legal and administrative work required to ensure a house purchase is valid under law.

Fixed rate

A fixed rate mortgage means the interest you pay won't change for the period of time you agree. This rate is unlikely to be fixed for the duration of the mortgage, more like two to seven years. Once this period is up, you'll go on to your lender's standard variable rate.


If your property is freehold, this means that you own the building and also the land on which it stands.


If the property is leasehold, then you own the building but not the land it stands on, and only for a certain length of time (anything up to 999 years).

Loan-to-value (LTV)

This is the size of your mortgage as a percentage of the value of the property you're buying. This is the ratio of the size of your borrowing amount to the size of your deposit. The more deposit you can put down on a property, the lower the LTV ratio will be. The most competitive interest rates are usually available to customers with lower LTV ratios, often below 70%.

Stamp duty

Stamp duty land tax (SDLT) is a tax payable when you're buying a property for more than £125,000. There are several rate bands for stamp duty, and the tax is calculated on the part of the purchase price that falls within each band.

Variable rate

Paying the going rate on your loan, your mortgage rate can go up and down with changes in interest rates.

Valuation fee

Lenders will need to carry out an inspection of the property before approving your mortgage. This is to make sure it's a sound investment to lend on and valued correctly.