It is fairly common for people living overseas to want to invest in the British property market, and there can be a number of positives to this as an investment.

While it is certainly possible to purchase homes in the UK as a non-resident or an expat, there are a number of things that buyers will need to be aware of, such as taxes and currencies.

Despite house price falls during the 2009 recession, property investment in the UK remains active, and the UK property market has traditionally been one of the world powerhouses. Due to this traditional strength, many people continue putting their trust and money in the system.

Offshore bank or UK lender for expat mortgage

For most buyers, purchasing British property will mean having to make use of the UK mortgage market. Typically, fees and rates from UK mortgage lenders will be more competitive than those provided by offshore lenders. However, this does vary considerably depending on the current state of the market.

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Whether you're a first-time buyer or already a property owner you could buy a new home with a small deposit of 5%, heres how.

How Help to Buy Equity Loans Work

  • First time buyers and those already on the property ladder can apply.
  • To qualify a 5% deposit is required.
  • A 75% mortgage must be secured from your bank or building society.
  • The remaining 20% of the property’s value is funded by an equity loan provided by the Government.
  • House prices can’t be more than £600,000 in England and £300,000 in Wales.