How to get a mortgage as a foreign national
You can get a mortgage in the UK even if you’re not a UK citizen. It’s less about where you born, and more about your credit history and your work.
Last updated on
May 23, 2022 11:54
Credit history is country-specific: there’s no such thing as, for example, “a European credit score”. Lenders will want to see you have a good credit history in the UK before they agree to give you a mortgage.
So as soon as you arrive in the UK, you should build up your credit score: register to vote, open a bank account, set up some direct debits, and make sure you pay your bills on time. If you’ve only recently moved to the UK, you might find it takes a while before you can be considered for a mortgage.
You can get a mortgage just like a UK citizen if you have:
Lenders will want evidence that you have:
You might still be able to apply for a mortgage as a non-EU national if you have a:
How do you prove you’re eligible for a mortgage? Learn how lenders assess your eligibility, and how to strengthen your mortgage application.
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