Non-resident mortgages and mortgage advice from Barclays Wealth International
International mortgages and advice for non-residents of the UK looking to buy property
Barclays Wealth International offers an International Mortgage Service specifically designed for non-UK residents, and for those living temporarily in the UK, who want to buy or invest in UK property. Our expert international mortgage advisers are there to give you UK mortgage advice, including information on UK mortgage rates. We aim to help you find the right property and the right mortgage in the UK.
Mortgage services for res non doms
You are 'Res Non Dom' or 'UK resident non-domiciled' if you live or work in the UK but were born in or have nationality in another country. You should also not intend to stay in the UK permanently.
As a UK resident non-domiciled, you could benefit from a choice of mortgages tailored to the needs of international clients who wish to purchase property in the UK. Barclays Wealth International offers a range of mortgages, including:
- Offshore residential mortgages
- Currency (non-sterling) residential mortgages
- Mortgages for properties outside of the UK
Barclays Wealth International can guide you through which mortgage option is right for you. Our international mortgage advisers will take you through the process of buying a house in the UK, explain the different methods of repaying your mortgage, and help you with all the paperwork involved in taking out a UK mortgage. To speak to an International Mortgage Adviser, call
+44 (0)1624 684 305† or click below and we'll contact you at a convenient time.
UK Mortgage Loan
Whether you are looking to purchase a home in the UK, an investment property, remortgage or release equity from a UK property, Barclays Wealth International may have the mortgage solution to suit you.
We can help you with a traditional onshore sterling mortgages, or if you are a Res Non-Dom you may prefer a mortgage in the currency in which you are paid, (which may or may not be sterling) or an offshore mortgage.
Residential currency mortgages let you borrow in the income in which you are paid so you avoid potentially costly currency exchange and reduce the risk associated with currency fluctuations. Subject to availability, we can offer mortgages in other major currencies including US dollars, euros, Swiss francs, Hong Kong dollars and Japanese yen, whether you wish to purchase a home in the UK or a buy to let investment property.
Alternatively, a mortgage is available as an interest-only mortgage in a choice of currencies; sterling, US dollars, euros, Swiss francs, Hong Kong dollars or Japanese yen. Held offshore in the Isle of Man, this mortgage allows you to pay your mortgage interest with any offshore income you have, and can be taken out either to purchase a new property or to remortgage an existing property.
Contact our international mortgage advisers for availability and further information on
+44 (0)1624 684 305† or click below and we'll contact you at a convenient time.
Non resident UK mortgage rates
Barclays Wealth International have a choice of mortgage types available to non UK-resident clients.
Fixed Rate
The interest rates are predetermined and are fixed for a set amount of time, depending on the mortgage you choose. After the fixed rate period, your mortgage will switch to the Standard Variable Rate. Early Repayment Charges apply during the fixed rate period.
Standard Variable Rate
A variable interest rate fluctuates in line with general interest rates and market conditions. Set by the lender, it tends to follow changes to the Bank of England Base Rate.
Discounted Rate
The rate on this kind of mortgage is set at a certain percentage off our Standard Variable Rate for a set period of time. After the discounted period, the interest rate will revert to our Standard Variable Rate, so your repayments may increase. Early Repayment Charges apply during the discounted rate period.
Tracker Rate
This could be ideal for you if you want a mortgage that moves in line with the Barclays Bank Base Rate (BBBR). So when the BBBR (which is linked to the Bank of England Base Rate) falls, your monthly payments fall by a pre-determined margin. If the rate rises, so will your monthly mortgage repayments. BBBR typically follows the Bank of England Base Rate but it is not guaranteed to do so. The Bank of England Base Rate can go up or down and is announced by the Bank of England's Monetary Policy Committee every month.
Non resident mortgage centre
To sum up, whether you're interested in a purchasing a home, an investment property or in releasing equity our international mortgage advisers can help you find the right UK mortgage.
Onshore and offshore mortgages
Our extensive range of mortgages means we're likely to have one which meets your needs. Whether you're investing, re-mortgaging or releasing equity from a UK property, you have a choice of interest rates and repayment structures, and can choose to hold the mortgage onshore in the UK or offshore in the Isle of Man.
Currency mortgages
If you receive income in a currency other than sterling, a currency mortgage could be more convenient and help you avoid expensive currency conversion costs. Subject to availability, currency mortgages are available in US dollars, euros, Swiss francs, Hong Kong dollars and Japanese yen.
Moving to the UK
Moving to the UK and need UK financial services? Barclays Wealth International can help guide you through the UK financial landscape.
Find out how we can help with your specialist personal banking and investment requirements.
International banking
A range of international banking products and services, ideal for those living away from their home country but who require international bank services.
Find out more international banking with Barclays Wealth International.
UK mortgage
Need a mortgage for a UK property? We offer a range of mortgages to both UK and non-UK residents.
Find out about a non resident UK mortgage with Barclays Wealth International.
† Lines are open 7am to 8pm weekdays and 8am to 5pm weekends and UK bank holidays local time. Call charges may vary. Please check with your local telecoms provider. Calls may be recorded for training and security purposes.
The products and services described on this page are provided by the following companies which are part of Barclays Wealth, Barclays Bank PLC in England and Wales and Barclays Private Clients International Limited in the Isle of Man, Jersey and Guernsey. For further information on these companies and Barclays Wealth please read Important Information.
Products and services on this site may not be available in certain jurisdictions. In particular, these products and services are not being offered in Japan or the United States or to US residents. For full details of exclusions and disclaimers please see the Important Information before proceeding. Each Barclays Wealth company reserves the right to make a final determination on whether or not you are eligible for any particular product or service.
