skip to main content
Request a call back

Leave your contact details and one of our expert advisers will call you back shortly.

You can also complete our mortgage questionnaire for a more accurate initial response.

Please note, by submitting this information you have given your agreement to receive verbal contact from us to discuss your mortgage requirements.

Menu
Archives

2021

2020

2019

2018

2017

2016

2015

2014

2013

2012

2011

2010

2009

show more show less

Banks and building societies are still keen to provide mortgages to EU citizens buying a home in the UK even though we have left the European Union. 

Over the years Trinity Financial has helped lots of French, German, Italian and other EU nationals living in the UK to secure mortgages. The banks and building societies will still provide mortgages, but they will need some additional documentation.
 
Aaron Strutt, product director at Trinity Financial, says: “One of the largest banks is offering mortgage rates from 1.4% to fund purchase properties and remortgages in the UK and it has some excellent acceptance criteria. If the borrower has settled status or they have a visa, this should be sufficient for the lenders."
 
The UK's largest bank also provides mortgages when EU passport holders do not have indefinite leave to remain, but they must have been in the UK for three years or have 2 years 6 months remaining on their visa. If they don't, then borrowers may need a larger 25% deposit to secure a mortgage.
 
If the applicant has a good credit score, it is possible to secure a 10% deposit mortgage even if they have been in the UK for a month.
 
For all European Economic Area citizens that have full rights to enter, live and work in the UK, it is possible to get a mortgage without a visa. Swiss Nationals will be treated as UK nationals by some lenders. 
 
It is not always necessary to have a visa to secure a mortgage in the UK when you live outside of the EU, but the lenders will want to understand why the borrower will need a property. Having a family in the UK or a job are the most commonly accepted reasons. 
 
Call Trinity Financial on 020 7016 0790 to secure an EU or EEA citizen mortgage or book a consultation
Get in Touch

Get in touch

To arrange a meeting with one of our expert mortgage advisers complete our enquiry form or mortgage questionnaire and we will call you back. Please note, by submitting this information you have given your agreement to receive verbal contact from us to discuss your mortgage requirements.

Need some advice today?

Book a Consultation Mortgage Questionnaire
PageID1