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Foreign National Mortgages in Edinburgh

The UK is in the privileged position of attracting people from across the globe to its shores, both as residents and investors. In the fascinating and attractive city of Edinburgh, the quality and variety of properties means there is plenty to offer any Foreign National looking to buy property - whether that's as a holiday home, permanent residence or investment opportunity.

If you do not hold a British passport and wish to apply for a UK mortgage, we can help you through the details of securing a mortgage for Foreign Nationals in Edinburgh.

There are often intricacies involved in getting a mortgage as a Foreign National. We have extensive experience in arranging Foreign National Mortgages in both Edinburgh and throughout the UK.

We are here to assist you through mortgage applications, breaking down any barriers you may face as a Foreign National through the process, and making sure buying your new home in Edinburgh is as simple and straightforward as possible.

We have a great deal of experience in putting cases for Foreign National Mortgages together and presenting them to lenders successfully.



Finding a lender who arranges Foreign National Mortgages in Edinburgh

The most effective way of exploring a suitable choice of mortgages if you have non-standard mortgage requirements is to engage an independent adviser, who can guide you through the best options available to you.

As independent advisors we can use our access to the whole mortgage marketplace (including mortgages that are only offered through brokers where often the best deals can be found) to offer a bespoke and tailored service.

If you are interested as a Foreign National in purchasing property in Edinburgh - whether in a residential or investment capacity - we will help you find the mortgage that works for you. We can also help with the financial planning related to your mortgage.

The factors which will determine your choice of mortgages will depend on:

  • Whether you are an EU National
  • How long you have lived and worked in the UK

    G Force Mortgages Ltd offers competitively priced mortgage rates to Foreign Nationals, and if you have a work visa and good credit score with a 25% deposit, we may be able to help you get a mortgage after 6 months of being in the UK.




    EU Foreign Nationals getting a mortgage

    If you are an EU Foreign National, you should have a traceable credit history and you will potentially be able to get a regular UK residential mortgage, without any extra costs.

    There are three requirements for this:

  • You have been resident in the UK for more than 2 years
  • You have a UK bank account
  • You have a permanent job in the UK

    Non-EU Foreign Nationals getting a mortgage

    Securing a mortgage as a non-EU citizen is often more complicated. The biggest challenge for those who aren't EU nationals is that they won't have a traceable credit history that lenders can assess in the UK.

    In order to build a positive credit footprint for your mortgage, the basic requirements you will have to meet are:

  • Resident in UK for more than 2 years
  • Have a permanent job in the UK
  • Have permanent residence rights in the UK, or a UK Work Permit
  • Hold a UK bank account
  • The requirement to have lived in the UK for two years is due to the necessity of building up a UK credit history before lenders can approve your mortgage application

    It may be possible to arrange a non status mortgage before then, however a large deposit 25%+ will be required.




    Why buy in Edinburgh as a Foreign National?

    Edinburgh is an international and culturally diverse university city, home to legendary celebrations, outstanding architecture and beautiful surrounding countryside. The city receives millions of visitors each year and is second only to London among British cities with the most FTSE 100 companies.

    In Edinburgh you can join a thriving community of expats - 14% of the population of Edinburgh was born outside the UK - and welcoming locals, and enjoy the many unique attractions of the historic Scottish capital. A few facts about property in Edinburgh include:

  • As of October 2020, the average house price in Edinburgh was £289,510.
  • Edinburgh's Royal Mile has been voted the UK's second prettiest street.
  • The city is home to almost 5,000 listed buildings.
  • Although rich in historic architecture, Edinburgh also boasts modern luxury developments, for example in the Quartermile area.
  • Edinburgh's “New Town” is the most complete example of Georgian architecture and town-planning in the UK, and has been a UNESCO heritage site since 1995.

    G Force Mortgages Ltd are authorised and regulated by the Financial Conduct Authority and are Independent Mortgage Specialists. We have the ability to search the whole UK market, including deals that you will not find on the high-street. Let us help you find a foreign national mortgage that meets your needs.

    G Force Mortgages Ltd are authorised and regulated by the Financial Conduct Authority and are Independent Mortgage Specialists. We have the ability to search the whole UK market, including deals that you will not find on the high-street. Let us help you find a foreign national mortgage that meets your needs.