Overseas National Mortgages, Home Finance for UK Buyers Abroad
Contractor Mortgage Solutions helps overseas nationals secure UK mortgages without the usual barriers. Whether you’re relocating, investing in property, or buying your first UK home, we work with specialist lenders who understand your income and residency status, delivering tailored mortgage solutions for non-UK residents.
Tailored Mortgage Solutions for Overseas Nationals
We understand the unique challenges overseas buyers face when securing a UK mortgage. Our bespoke solutions cater to your residency, income, and financial circumstances.
First-Time Buyer Mortgages
Ideal for overseas nationals looking to purchase their first UK property. We work with lenders who recognise international income and residency status.
Investment Property Mortgages
Planning to invest in UK property from abroad? We help you access competitive rates and terms designed for overseas buyers.
Remortgage Solutions
If you already own UK property, we offer remortgage options tailored to your situation, helping you access better rates or release equity.
We work with more than 120 mortgage lenders, including:
We Operate Based on Your Income
We specialise in securing mortgages for overseas nationals based on your income ,whether from UK contracts, international employment, or business revenue. No UK payslips or tax returns required. Over the past decade, we’ve helped contractors and self-employed professionals purchase UK property, refinance investments, and access exclusive mortgage solutions rarely available on the High Street.
How Much Can I Borrow
Use Our Calculator to Estimate Your Borrowing Power
Our calculator provides an instant estimate of your potential borrowing based on your overseas income and financial profile.
Please note this is for guidance only ,for a personalised recommendation,
speak with one of our expert advisers.
Almost there!
Please provide your details to see your mortgage calculation resultsYour Estimated Borrowing Amount
Please note, that this calculator only provides indications of possible borrowings.
Contact us for a free bespoke contractor mortgage recommendation.
Ready to Discuss Your Options?
Don’t let residency status or international income hold you back. With our overseas national mortgage solutions, you can secure your UK property based on your income and achieve your homeownership or investment goals confidently.
Compare & Find the Right Mortgage for You
Don’t settle for less—explore, compare, and secure the best mortgage deal tailored to your needs.
Mortgage Comparison
Find the Right Second Mortgage in Minutes
Finding the right mortgage as an overseas national can be complicated. Our comparison tool allows you to explore deals from specialist UK lenders, comparing interest rates, loan terms, and repayment options in one place.
Mortgage Quote
Get Your Personalised Second Mortgage Quote Instantly
Want to know how much you can borrow and at what rate? Our mortgage quote tool gives a quick, no-obligation estimate based on your overseas income. With no impact on your credit score, you can confidently explore your options and take the first step toward securing your UK property.
Why Choose Contractor Mortgage Solutions for Overseas Nationals?
Testimonials
What Our Overseas Clients Say
Arjun P.
IT Contractor, India
CMS made buying my UK property from abroad simple. They understood my overseas income and helped me secure a mortgage quickly.
Maria L.
Marketing Consultant, Spain
As an overseas buyer, I struggled with high-street lenders. CMS guided me to the right lender and made the process smooth.
Ahmed R.
Construction Contractor, UAE
I never thought I could get a mortgage in the UK while living abroad. CMS made it happen and handled everything efficiently.
FAQ’s
Can I get a UK mortgage as an overseas national?
Yes. Specialist lenders we work with consider international income and residency, making mortgages accessible for overseas buyers.
Our Partners: https://mortgage-tek.co.uk/
Do I need a UK bank account or UK credit history?
Not always. Some lenders accept overseas accounts and evaluate your income and financial profile to determine eligibility.
Can contractors get mortgages while living abroad?
Yes. We work with lenders experienced in assessing contract and self-employed income for overseas nationals.
Are there restrictions on property types for overseas nationals?
Most lenders allow standard residential or investment properties. Our advisers guide you on eligible options based on your circumstances.
How long does the process take for overseas buyers?
While timelines vary, our streamlined process and lender relationships often make approvals faster than standard international applications.
Can I remortgage an existing UK property from abroad?
Yes. We provide remortgage solutions tailored to overseas nationals, helping you access better rates or release equity efficiently.