How it works

Live UK mortgage options for non-UK residents

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

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Buyers assisted

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Mortgage products

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Trusted partners

For clients

Get your mortgage rates easily from UK’s most trusted broker

Initial consultation

such as country of residence, nationality, purchase price, mortgage amount.

Initial consultation

such as country of residence, nationality, purchase price, mortgage amount.

Enter a few details

such as country of residence, nationality, purchase price, mortgage amount.

Initial consultation

such as country of residence, nationality, purchase price, mortgage amount.

Start here...

Use our calculator to get a personalised report

Initial consultation

such as country of residence, nationality, purchase price, mortgage amount.

Enter a few details

such as country of residence, nationality, purchase price, mortgage amount.

Enter a few details

such as country of residence, nationality, purchase price, mortgage amount.

Enter a few details

such as country of residence, nationality, purchase price, mortgage amount.

For Partners

Partner with Springtide and deliver better outcomes for global clients.

Expert-led service

Work with dedicated advisers who specialise in UK mortgages for non-UK residents.

We support your clients from the first quote through to completion, with the care complex HNW and cross-border cases demand.

You get a consistent, high-standard service that protects your reputation.

Any property finance, any loan size

Springtide supports every type of property finance, with no minimum or maximum loan limits.

From residential and buy-to-let to portfolios, development, bridging and commercial, we tailor the solution to your client’s structure and objectives. One partner covers every scenario.

Market-wide access, rewarding referrals

Access 15+ lenders across retail, specialist and private banks, without the admin burden.

We research, shortlist and secure best-fit options so your clients can decide quickly and confidently. You earn market-leading referral fees, while we manage the mortgage journey end to end.

Frequently asked questions

For clients

Am I eligible for a UK mortgage as a non-resident?

In many cases, yes. Eligibility usually depends on affordability, your country of residence, the property type, and how straightforward your income and credit profile are. Some lenders set tighter rules for non-residents (for example lower maximum LTV and minimum income thresholds).

What deposit will I need as a non-resident?

Most non-resident mortgages need a larger deposit than standard UK cases. A common range is 25% to 40% deposit, depending on the lender, property, and your profile, with some lenders capping lending around 75% LTV.

What documents do I need to provide?

Expect proof of identity and address, plus evidence of income and affordability (payslips or accounts, tax returns, bank statements). You will also need to evidence your deposit and “source of funds/wealth” for UK AML checks.

What are the tax and legal implications of owning UK property?

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.

Which lenders or mortgage types are available to non-residents?

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.

Can I purchase a property in my child’s name and act as guarantor?

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.

Can you help review my existing UK mortgage?

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

How quickly can you get clients an Agreement in Principle (AIP)?

Speed is crucial in property transactions. A quick turnaround on AIPs can help estate agents secure offers faster and keep deals moving.

What lenders do you have access to. Are you whole of market or tied to specific ones?

A broker with whole-of-market access can find better deals for a wider range of buyers, including those with unusual circumstances.

How do you keep estate agents updated on client progress?

Communication is key. Agents need regular updates to manage vendors’ expectations and keep the chain moving.

What’s your typical turnaround time from application to mortgage offer?

This shows how efficient the broker’s processes are and helps estate agents plan timelines realistically.

How do you handle complex cases such as self-employed buyers, poor credit, or unusual properties?

5. How do you handle complex cases such as self-employed buyers, poor credit, or unusual properties?

Check your UK mortgage options

Live rates with clear repayments and fees.