Specialist Mortgage Advice for Foreign Nationals
Specialist Expertise
Flexible Lender Access
Solutions for Different Visa Types
Local & Nationwide Services
Mortgage Solutions for Foreign Nationals
Many lenders require foreign nationals to meet strict criteria when applying for a mortgage. However, at PBS Mortgage & Financial Advisers, we have access to lenders who offer more flexible terms, including:
✔ Time in the UK Requirements:
Many lenders require a minimum of 2 years in the UK, but we can arrange mortgages for clients with less than 1 year in the country.
✔ Visa Requirements:
We can assist clients with various visa types, including:
- Skilled Worker Visa
- Health and Care Worker
- Visa Spouse/Partner Visa
- Student Visa transitioning to employment
- Some lenders require at least 2 years remaining on a visa; we work with lenders who accept applicants with as little as 6 months remaining
✔ EU Settlement Scheme
We assist both Pre-Settled and Settled Status applicants in securing mortgages.
✔ Indefinite Leave to Remain (ILR) Considerations: Many lenders require a 25% deposit for applicants without ILR; however, we can arrange mortgages with deposits as low as 5%.
We help clients from all over the world secure mortgages in the UK. Some of the most common nationalities we assist include individuals from:
- India
- China and Hong Kong
- United States and Canada
- European Union countries, including Poland, Romania, Spain, Bulgaria, France, Germany, and Italy
Regardless of your country of origin, we have the knowledge and lender access to help you find the best mortgage deal.
Access to High Street and Specialist Lenders
We work with a wide range of lenders, ensuring that our clients get the best mortgage deals suited to their needs. Our relationships with high street banks and specialist lenders allow us to:
- Secure mortgages for those with less than 1 year in the UK.
- Assist clients who do not yet have Indefinite Leave to Remain (ILR).
- Work with lenders who consider deposits coming from overseas, ensuring compliance with lender requirements.
Have You Been Declined by Your Bank?
Many foreign nationals first approach their bank for a mortgage, only to be declined due to strict lending criteria. If this has happened to you, don’t lose hope. With our expertise and access to a broad range of lenders, we can find solutions where others cannot, ensuring you get the best possible rate for your circumstances.
Are You Trapped Renting?
Many people feel trapped in renting, paying more in rent than they would for a mortgage. If this applies to you, let us help. With expert advice and access to specialist lenders, we can help you secure a mortgage, making homeownership a reality and reducing your monthly housing costs.
Who We Help
We have extensive experience assisting foreign nationals from various professional backgrounds, particularly those who have relocated to the UK for work. Our expertise includes helping:
- Academics and Researchers at Lancaster University.
- Doctors, Nurses, and Healthcare Professionals at the University Hospitals of Morecambe Bay NHS Trust.
- Skilled Workers across various industries seeking to buy a home in the UK.
Flexible Appointments and Fast Decisions
Your time is valuable, and we understand that. That’s why we offer flexible appointment options to suit your needs:- Sole Traders and Partnerships:
✔ Telephone appointments for convenience.
✔ Online Consultations for Accessibility
✔ Face-to-face meetings for personalised service.
Whether you prefer telephone, online, or face-to-face consultations, our team is here to help. Our advisers are specialists in self-employed and company director mortgage advice, combining efficiency and expertise to deliver fast decisions. In fact, we can often secure a mortgage agreement in principle in less than 24 hours, helping you make offers with estate agents and move forward with your property purchase quickly and confidently.
Why Choose PBS Mortgage & Financial Advisors?
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Don’t just take our word for it...
Great financial advice, very clear and concise and with no pressure. I’ve used Ross a couple of times now and he couldn’t be more helpful, that goes for the rest of the team too. Excellent company to use would recommend to anybody thinking about financial/mortgage advice.
Superb service from the team at PBS - highly recommended. Gareth was exceptional and provided great support throughout. Fee was also more than reasonable. Looking forward to using PBS again when my mortgage renewal is due.
We have used PBS's services quite a few times and every time we have had fantastic service. Ross, in particular, is professional, helpful and understanding. He helped us navigate our very first mortgage in 2016, then subsequent remortgaging processes. Thank you for all your help, it's been invaluable!
An excellent service, very efficient & a very good remortgage deal. Streamlined service & we were kept up to date regularly about the progress. Would definitely use again & recommend.
Cannot rate PBS financial solutions highly enough. Paul has always been very helpful, listening to our changing needs and giving us sound advice and direction in relation to mortgage renewals. This has been especially important with the prices going up significantly. Would recommend without hesitation.
Very informative and efficient service. Everything was explained clearly and presented to us well which made the whole re-mortgaging process simple and stress free. Thanks to the team at PBS!
PBS was recommended to me by a friend and I am so glad to have had the tip. PBS went above and beyond to help us and we will certainly be using them again. I have already recommended them to two other people myself. Many thanks to Ross and Sara for their hard work and determination.
Paul and his team were excellent in helping us secure a mortgage for our new home. They explained everything carefully and went above and beyond in helping find the very best deal for our particular circumstances. I want to also extend extra thanks for their patience and understanding when things got a bit stressful! I would highly recommend their services.
Thank you for making our mortgage application so easy and stress free. Ross was fantastic! He kept us updated every step of the way. Super responsive to my many emails to him. Thanks again Ross!
They are very knowledgeable and helpful. I have used their services multiple times and have always been more than happy with the process and outcome. Highly recommended.
