Can I get a UK mortgage as a non-resident?

Yes — but the market is narrower and pricier than for UK residents. Several UK banks (HSBC International, Skipton International, Santander Private, NatWest International, Barclays Wealth) offer mortgages to non-UK-resident buyers.

• Typical terms:
• Maximum LTV: 65–75% (vs 90%+ for residents)
• Minimum loan size: usually £100,000+
• Higher arrangement fees: 1–1.5% of loan (vs ~£999 for residents)
• Higher interest rates: 1–2 percentage points above resident rates
• Income requirements: often £50k+ provable annual income

• You will likely need:
• 3–6 months of bank statements (translated if not English)
• Proof of source of deposit (anti-money-laundering)
• Reference from your current bank
• Specialist conveyancer experienced with non-resident transactions

Some lenders restrict by nationality (sanctions screening) and by property type (no HMOs, no above-shop, no leases under 70 years remaining).