Before You Continue…

Our website uses cookies. By continuing to browse the site, you are agreeing to our Privacy Policy.

OK - continue
logo
Search for mortgage help
CALL US:  023 8098 0304
Mobile menu bars Close mobile menu
mortgage calculator mortgage calculator
request a call back Request a Callback
email us info@themortgagehut.net
call for mortgage advice chat online now
Search for mortgage help

Specialist Mortgage Help

  • First Time Buyers
  • House Mover Mortgages
  • Bad Credit Mortgages
  • Remortgaging
  • Equity Release
  • Self Employed Mortgages
  • Buy to Let Mortgages
  • Expat Mortgages
  • Commercial Mortgages

Useful Links

  • Home
  • Contact us
  • Mortgages
  • Mortgage Insurances
  • About Us
  • Customer Reviews
  • Refer a Friend Scheme
  • Expert Articles
  • News
  • Sitemap
  • New Build Mortgages
  • CIS Mortgages Explained

Privacy Settings

  • Privacy Policy

Mortgages for Non-UK citizens

  1. Home
  2. Expert Articles
  3. First Time Buyers

Whether you are an EU or non-EU citizen, getting a mortgage as a non-UK citizen can be difficult.  

I’m an EU national… 

 If you are an EU national, and have a traceable credit history, then you could be eligible for a regular UK residential mortgage, if you meet three requirements.  Depending on whether you have been a resident in the EU for more than three years, have a UK bank account and have a permanent job in the UK, you could get a regular residential mortgage. You will, however, still need to meet the criteria set by the lenders in order to get a mortgage.  

I’m a non-EU national… 

 If you are a non-EU national, and have no traceable credit history within the UK, then obtaining a mortgage is slightly more complicated.  The basic requirements for a non-EU national applying for a mortgage are one or more of the following:   

  • You must have been a resident in the UK for more than two years 

  • Have permanent residence rights in the UK, or a valid UK work permit 

  • Have a permanent job in the UK 

  • Have a UK bank account 

 

Permanent residence is preferred to only having a valid work permit, but there are some lenders who will consider an applicant if they only have a work permit.  

Why are these requirements in place? 

 These requirements are generally to ensure that the applicant has built up a UK credit history, which the lenders will check when you apply for a mortgage.  

Is there another option? 

 Yes, there is. A self-certification mortgage, also known as a non-status mortgage, lets you obtain a mortgage if you can provide at least a 25% deposit and agree, in writing, to being able to afford the mortgage repayments.  By providing a higher deposit than normal, you balance out some of the risk to the lender, increasing your chances of being accepted, even if you don’t meet some of the usual requirements.  

For advice on how to get a mortgage if you are a non-UK citizen, speak to one of our specialist mortgage advisers who will be able to help you with the next steps. 

Managing Director Nicola Schutrups
First Time Buyers Expert Article by
Nicola Schutrups (Managing Director)
The Mortgage Hut

Looking for a Mortgage?

Find out if you're eligle in a couple of clicks, with no hidden credit checks.

Get Started

Related First Time Buyers Information

  • Mortgage in Principle Explained | Mortgage Advice | The Mortgage Hut
  • How can I get a £250,000 mortgage?
  • How can I get a £230,000 mortgage?
  • Costs Beyond The Deposit For First Time Buyers - The Mortgage Hut
  • Mortgages for Spouse Visa Holders
  • How can I get a mortgage for £100k?
  • Key Worker Mortgage Schemes
  • How to get the best £260,000 mortgage deal
  • Can i get approved for a £340k mortgage?
  • Mortgage withdrawal after Contract Exchange

Looking for a Mortgage?

Find out if you're eligle in a couple of clicks, with no hidden credit checks.

Get Started

Follow us on social media for updates

  • Like us on Facebook
  • Follow us on Twitter
  • See us on instagram
  • Watch us on YouTube

Contact The Mortgage Hut

Head office address of The Mortgage Hut
SOUTHAMPTON (HQ)
14 College Place
Southampton
Hampshire
SO15 2FE
Head office phone The Mortgage Hut
023 8098 0304
Head office email The Mortgage Hut
info@themortgagehut.net
Contact Us

The Mortgage Hut Limited is an appointed representative of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited which are authorised and regulated by the Financial Conduct Authority.

The Mortgage Hut Limited. Registered Office: 14 College Place, Southampton SO15 2FE Registered in England Number: 07629941

Contact Us

Important Information

  • The guidance and advice contained in this website is subject to the UK regulatory regime and is therefore restricted to consumers based in the UK.
  • Some products are not regulated by the Financial Conduct Authority.
  • Please note that The Mortgage Hut is not responsible for the accuracy of the information contained within any linked sites accessible from our website.
  • Your home may be repossessed if you do not keep up repayments on your mortgage.
  • There may be a fee for mortgage advice.
  • The actual amount will depend upon your circumstances.
  • The fee is up to 1% and a typical fee is £748.

Data Protection & Privacy

You voluntarily choose to provide personal details to us via this website.

Personal information will be treated as confidential by us and held in accordance with the Data Protection Act 1998.

You agree that such personal information may be used to provide you with details of services and products in writing, by email or by telephone.

When you use our website, we access your device/computer to set cookies and collect data.

We do this so it works, is secure and delivers the best browsing experience.

We also collect data to study how people use our site and help us improve our services and tailor our marketing.

For more information see our Privacy Policy.

back icon
close icon

Specialist Mortgage Advice

Mortgage Advice

Mortgage Advice
Get Started
Mortgage Advice

Mortgage Advice

Remortgage Advice

Remortgage Advice
Get Started
Remortgage Advice

Remortgage Advice

Buy to Let Mortgage

Buy to Let Mortgage
Get Started
Buy to Let Mortgage

Buy to Let Mortgage

Is the mortgage for your home or a business venture?

Residential Button Residential Hover Button
Buy To Let Button Buy To Let Hover Button

Are you buying or remortgaging?

Residential Button Residential Hover Button
Buy To Let Button Buy To Let Hover Button

Have you found a property yet?

Yes Button Yes Hover Button
No Button No Hover Button

Is the property house or a flat?

House Button House Hover Button
Flat Button Flat Hover Button

What is the property’s estimated value?

£

Deposit amount or equity?

£

Have you got any adverse credit?

Yes Button Yes Hover Button
No Button No Hover Button

What types of adverse credit?

Next Button Grey Next Button Blue Next Button White

What is you combined annual income (before tax)?

£

Sourcing Mortgages…

Nicola Arbon

“There's a reason why over 500 clients rate us as Excellent.”
Nicola Arbon, Managing Director and Mortgage Guru

Green Tick

Congratulations, we've successfully found you multiple mortgage options.

Next Button Blue Next Button White

Please enter your name to send you the results

Please enter the best email to send you the results

What is the best number to reach you on?

What day & time best suits you?

Next Button Blue Next Button White

Thank you

logo

A member of The Mortgage Hut team will review your enquiry & we’ll be in touch to discuss in more detail & to advise on the options available to best suit your needs.

Head office phone The Mortgage Hut 023 8098 0304