Care Financials

International Mortgages

International Mortgages

Are you considering purchasing a vacation home or property to make a good acquisition and earn a few extra pounds in the UK? Whether for investment or residential purposes or to open up financial possibilities, you will need an international mortgage.

An international mortgage is a mortgage you attain in a different country. If you are someone who lives and earns abroad and is contemplating buying a property in the UK, you are in luck; because in the past couple of years, the UK government has unlocked new opportunities for international property buyers, even if they have already been denied on their mortgage application in the past.

England stands as one of the world’s most steady and influential economies, and investing in it could be an exceptionally beneficial choice for you. However, the entire procedure may seem a little daunting; that is where Care Finance Services can be of assistance. Our team of expert mortgage advisors is willing to aid you with every step of your mortgage journey and make it as simple as possible. 

Contact our specialists today, who will counsel you on acquiring the best properties in the UK that suit your case the best. Our financial brokers will speak of all the necessary paperwork, information, and forms you need to help you get closer to your mortgage ambitions. 

NOTE: We work, as introducer, with a number of reputed, well established mortgage brokers to offer mortgage services at the best possible rates who will assist you in finding the ideal home and securing the right mortgage by utilizing their in-depth expertise in estate agency mortgage services.

More About International Mortgages

You need to know all the details about international mortgages in advance as it makes the process much more accessible and straightforward. So we have briefly outlined some details about the international mortgages and its main factors.

When you hear the phrase ‘international mortgage,’ it may sound a little nerve-wracking. Still, it is identical to any standard mortgage agreement if you have the right affairs to back up your mortgage application. If you are contemplating a UK-based international mortgage, it is always a reasonable choice to get in touch with a lender from the UK. However, even though you will find many international mortgage lenders in the UK property market, the overall ratio of such lenders is much less than those who don’t deliver such services. That is because to lenders, international mortgages are more tricky to review than any regional mortgage. 

It is helpful to get a hold of a good mortgage advisor such as Care Financial Services to understand what your lender may want to see. An adequate mortgage broker will support you in every step and guarantee that you have the correct documentation and circumstances to get your mortgage application sanctioned.

Below we have pointed out the main factors that can enhance your chances of getting an international mortgage: 

Evidence of your income
As with any standard mortgage, an international one also requires a distinct level of sustainable income. For employed people, it is much more straightforward than for self-employed people as they can deliver their lenders with payslips from a particular period. 

Credit history/score 
Even though there is no fixed rule about having a UK credit history, it does give you an upper hand with exclusive mortgage deals and rates. 

Uk-based financial sources 
A financial source in the UK can not only boost your credit score but can also equip your lender with easy proof that you will be able to make your mortgage payments on time. 

Giving Future To Your Living

Stress-Free Advice

Our friendly & personable advisors offer you a free impartial mortgage advisory service from start to finish.

Market Flexibility

We ensure we'll find the best deal available for your circumstances regardless of which lender it comes from.

Choose your Mortgage

Our experienced financial advisors compare over numerous products to find the one best suited to your needs.

Quick and Simple

We can avoid many of the delays often encountered when searching for your own loans and get things processed quickly.

How Can Care Financial Services Help?

At Care Financial Services, we have one fixed plan, and that is to benefit our clients with the best probable advice and guidance regardless of their background and financial occurrences. We study each client’s case individually, giving them equal opportunities even if they struggle with a certain situation. In simple words, we have something for everyone. 

Our designated team of hardworking expert financial advisors will assist you with your international mortgage goals, analyse your financial assets and documentation, and give you some of the best mortgage deals on the market. We work with many UK lenders that offer exclusive deals and shorter-term financial packages developed for non-UK nationals with low-interest rates and flexible loan repayments. So what are you waiting for? Give us a call, and let’s find a good property you can call your own. 

Frequently Ask Questions

If you have a question that deals with clients, customers or the public in general, there is bound to be a need for the FAQ page.


Surveys have shown a tremendous demand for buy-to-let (BTL) properties and international clients’ desire to capitalise in the UK. Yes, a foreign buyer can acquire a BTL mortgage; however, it may cost you more than usual because lenders see such mortgages as an increased threat; hence they mandate a larger deposit. 

A typical situation in the property market is that some people may be working and living in another nation but want to purchase a property in the UK. Such mortgages are readily obtainable and applying for them as a foreign national is feasible. It would be adequate to speak to a specialist mortgage advisor (like Care Financial Services) to make the process manageable so that they can correctly counsel you and provide you with the appropriate information. 

Your credit history is a very crucial element of your mortgage application. A good UK credit history is always beneficial as it simplifies the entire procedure, especially for international mortgage clients. Credit scores play a fundamental role in the mortgage operation because your lender may want to review a few things, such as:

  • Your annual earnings and whether it not you have a sustainable income. 
  • What impact may exchange rate fluctuations have on your income 
  • Confirm the identity of your foreign employer or business (if self-employed) 
  • . If you pose as a fraud threat or not

There is a higher chance of ensuring an international mortgage with a long-term credit history. If you have a bad credit history or cannot deliver a long-term credit history, you may not find a good number of lenders to secure your mortgage. However, we at Care Financial Services work with various lenders from the high street to local niche lenders. So whatever the situation may be, we assure you that we can help you. 

Whether you are applying for a standard mortgage or an international one, your borrowing ability will be based on two main factors: 

  • The size of your deposit 
  • Your income with evidence 

Usually, lenders in England tend to allow clients to borrow anywhere between 3-6 times your annual salary. Other factors can play a critical role in how much you allowed to borrow such as: 

  • Job History 
  • Credit history 
  • The number of dependents you have 
  • Your annual spending 

If you earn in a foreign currency and want to acquire a mortgage in the UK, then you must keep in mind that exchange rates play a very integral role when you apply; this is because of the affordability standpoint due to which the smallest fluctuation in exchange rates can make repayments of your loan exorbitant or lead to fewer deposit sizes. Most lenders typically stress-test your annual earnings to ensure you can handle any drastic changes in exchange rates and repay your mortgage no matter the circumstances. That is why international mortgage lenders demand higher deposits. Exchange rates are also why international mortgages have higher interest rates than standard mortgage plans. 

Usually, lenders mandate a deposit of 25% of the property’s value. Lenders ask for such high deposits to eliminate any risks that may come into play, such as: 

  • A short-term UK-based credit history 
  • Unidentified foreign employers 
  • Annual income amount 
  • Fraud-related incidences 


The content on this page is based on our understanding and knowledge at the time of publication. It may be subject to change and may not be applicable to your circumstances, so should not be relied upon. Please contact us if you require further information about the content included on this page.

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