Not all UK mortgage lenders will consider overseas mortgage applications and many restrict the countries they will lend in. The first and most important thing you need to know as an overseas UK property buyer, is whether there are any (and how many) UK lenders that will consider you for a mortgage in your overseas country of residence.

Our unique and bespoke lender sourcing tool (i-GEM) can help you find the number of potential UK mortgage lenders that may be available to you. Simply complete the i-GEM form below with your mortgage requirement.

NOTE: Please ensure you follow these guidelines when sourcing lenders with i-GEM:

1) Keep your loan to value (LTV) figure no more than 75% since this is the borrowing limit UK lenders will typically use for overseas clients. If your LTV is greater than 75% on the i-GEM form, then it will return zero lenders.

2) Ensure also that your loan is greater than £100,000 since this is the minimum loan figure UK expat lenders will use. Some have a minimum loan amount of £200,000.

3) Finally, it's important also (if buying a BTL property) to ensure your rental amount is sufficient for the mortgage amount otherwise i-GEM will, again, return zero lenders. In this instance, simply adjust the rental amount or reduce the loan amount.

(NOTE: No personal data is required for this form and no data is held).