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Trinity Financial has access to a range of lenders providing high-net-worth mortgages to foreign nationals including Indian clients.

Our expert advisers work with borrowers to purchase main residences, second homes and buy-to-let properties typically in London and Surrey.  

What nationalities can get mortgages in the UK?

There is a long list of foreign nationals able to secure mortgages to buy properties in the UK, but we can also help if you are planning to buy in Spain, France, Switzerland and Portugal.

We regularly help clients from Australia, Bahrain, Brazil, Canada, China, Egypt, Hong Kong, India, Kuwait, Malaysia, Monaca, Nigeria, Oman, Russia, Saudi Arabia, Singapore, South Africa and the USA.


Will I need to prove my income to get a mortgage?

You will need to prove your income if you want to secure a mortgage, but the lenders can assess your global income. If you own several companies, they can assess the most profitable ones to get the mortgage approved.

Private banks will also be able to assess your liquid assets as part of their affordability calculations and accept foreign income. They can also help if you have not taken a dividend or income from the business, depending on the company structure providing they have the company accounts.

What will I need to get a mortgage in the UK?

You will need to be able to provide your identity, place of residence, income and assets. We can work with your advisers to collate this information.

The lenders are very thorough with their identity checks and want to know if their clients are politically exposed or if they are living in a country with high levels of financial crime.

Are the mortgage rates expensive?

Private banks are likely to charge a premium for their mortgages but it is not as much as it used to be. Many of the banks are particularly keen to provide larger mortgage loans and they like foreign clients.  

Some lenders issue mortgages to foreign nationals and charge the same rates and arrangement fees to clients in the UK. It really does depend on the country they are from and how complex their income structure is.


What about the UAE and the middle east?

Trinity Financial can help clients in Abu Dhabi, Ajman, Dubai, Fujairah, Ras al-Khaimah, Sharjah and Umm al-Quwain to secure a UK mortgage.

Applicants will need an annual income must be at least 1 million AED annually (or equivalent in an approved currency). Also, net equity/assets must be valued at a minimum of 5 million AED (or equivalent in an approved currency.

How can I submit an application?

Trinity Financial will submit an application to the agreed lender offering the most appropriate acceptance criteria and the most competitive rates and setup fees. 

Call us on 020 7016 0790 or book a consultation

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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.

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