How it works
Live UK mortgage options for non-UK residents
- For clients
- For partners
Get your personalised UK mortgage rates in minutes
Stop waiting days for a call back. Use Springtide’s online calculator to see rates tailored to non-UK residents straight away, then a dedicated adviser helps you move from decision to application, fully remotely
Built for international and HNW buyers
Overseas income, multiple currencies, complex structures, portfolio purchases. Springtide matches your profile to a curated shortlist of competitive options from 15+ UK lenders, across residential, buy-to-let, bridging, development, and more.
Total cost clarity, before you commit
See estimated full costs upfront, including stamp duty, legal fees, lender fees and valuation costs. We show the best-fit options, not an overwhelming list, so decision-making stays fast and confident.
Personalised advice
Best rates
No hidden fees
Buyers assisted
Mortgage products
Trusted partners
For clients
Get your mortgage rates easily from UK’s most trusted broker
Instant Estimate
Enter a few details to review your instant personalised report, featuring real-time leading rates, purchase costs, and your total required cash investment.
Broker Consultation
Connect with your dedicated Springtide International broker to discuss and consult on all available options and necessary steps.
Document & Apply
Once you are ready to proceed, provide your documents and your broker will manage the lender application through to completion.
Continuous Monitoring
We will continuously monitor your rate to ensure your interest liability is minimised throughout your mortgage term.
Instant Estimate
Enter a few details to review your instant personalised report, featuring real-time leading rates, purchase costs, and your total required cash investment.
Broker Consultation
Connect with your dedicated Springtide International broker to discuss and consult on all available options and necessary steps.
Document & Apply
Once you are ready to proceed with a purchase or remortgage, provide your documents, and your broker will manage the lender application through to offer and completion.
Continuous Monitoring
We will continuously monitor your rate to ensure your interest liability is minimised throughout your mortgage term.
For Partners
Partner with Springtide and deliver better outcomes for global clients.
Frequently asked questions
For clients
Yes. There is a strong and well-established market of UK lenders who offer mortgages to nonUK residents. Your exact lender options will depend on your country of residence, the strength of your income profile, and each lender’s affordability calculations.
Many lenders are comfortable with international applicants, including those without a UK credit history, provided your financial position can be clearly verified.
For personal use, minimum deposits start from 10%. For Buy to Let properties, the minimum is typically 25%.
It’s important to note that the larger your deposit, the wider your choice of lenders - and the more competitive your interest rate pricing becomes. A stronger deposit position reduces lender risk, which directly improves both availability and pricing.
Most lenders require a clear set of documents to verify your identity, income, and financial position. As a nonUK resident, you’ll typically need:
- ID & Proof of Address Passport and a recent utility bill or bank statement.
- Income Verification Recent payslips, employment letter, or audited accounts if self-employed.
- Bank Statements Usually the last 3–6 months, showing income and savings.
- Asset & Liability Summary Details of savings, investments, and any existing loans or mortgages.
Upfront purchase tax can apply (for England and Northern Ireland, non-UK residents may pay an SDLT surcharge). Ongoing, UK tax can apply to rental income and capital gains when you sell, and you should expect standard legal and AML checks during conveyancing.
Non-residents can access options from a mix of high-street banks, specialist lenders and private banks, depending on your circumstances. Mortgage types can include residential and buy-to-let, and products like fixed or tracker, often with slightly tighter criteria.
Often yes, through a guarantor or family-assisted structure where you support affordability, but you are not necessarily on the deeds. Lender criteria vary, and it is important to understand the legal and financial responsibility you take on as guarantor.
Yes. We can review your current deal and timing, then compare remortgage and lender retention options to see if you can improve rate, fees, flexibility, or overall cost based on your current profile.
For partners
We can usually secure an Agreement in Principle within 24 hours of receiving the client’s information. For straightforward profiles, many lenders issue the AIP the same day, giving your clients the confidence to reserve, negotiate, or make an offer without delay.
Yes - we operate on a whole-of-market basis. This means your clients have access to a broad panel of high-street banks, specialist lenders, and private banks that accept non-UK residents, expats, and clients with overseas income.
Partners receive clear, structured updates at each stage - from initial assessment to application, valuation, underwriting, and offer. We keep communication transparent and efficient.
Referral fees are industry-leading, disclosed upfront, and paid upon completion. We prioritise full transparency, ensuring that our partners are always aware of what to expect.
We work across the full lending spectrum, from standard residential mortgages to large, multilayered international cases. There is no strict minimum, and we regularly arrange high-value loans through specialist and private banks.
We also handle complex cases, including:
- Overseas income in multiple currencies
- Selfemployed or businessowner profiles
- SPVs and company structured purchases
- Multi property portfolios
- Sharia compliant
- Highvalue or bespoke privatebank lending
Our whole-of-market access means we can match each client with the lender best suited to their profile - whether the case is straightforward or requires detailed, manual underwriting.