UK student mortgages
UK mortgages for international students buying UK property
Deciding to study in the UK is a great choice. UK qualifications are respected around the world and can provide a solid foundation on which to achieve a successful career and a rewarding salary.
If you're an International Student looking for a UK student mortgage, our international mortgage advisers offer expert advice to help your parents buy a property and set you up in the UK. Our extensive range of onshore and offshore mortgage loans means we're likely to have one which will meet your needs.
Whether you're looking to invest in a UK property, re-mortgaging or even releasing equity from an existing UK property, we offer a wide choice of interest rates and repayment structures. We can arrange international student mortgages with good loan to value ratios and at reasonable fees, and offer a choice of variable rate mortgages or fixed rate mortgages.
Subject to availability, mortgages can be offered in a range of currencies other than sterling, including US dollars, euros and other major foreign currencies.
International student mortgage options
You and your parents have a wealth of mortgage options available to you as overseas buyers coming to the UK. These include:
- Offshore mortgages
- Sterling mortgages
- Non-sterling mortgages
Offshore mortgages
Offshore mortgages are interest-only mortgages taken out or based in the Isle of Man, an offshore banking jurisdiction. They are available in sterling or a choice of other major currencies and allow you to pay the mortgage interest with your offshore income, which could be a tax-efficient way to buy a property in the UK.
Onshore sterling mortgages
These are basically the mortgages available to everyone in the UK. They can be used to buy a new property, remortgage an existing property, for equity release or to buy an investment/buy to let property. Choose from a tracker or fixed-rate mortgage with the option to take a repayment or interest-only loan.
Buying in the UK from abroad
Barclays offers an international mortgage service for non-UK residents and nationals of other countries wishing to buy property in the UK. We can help you find the mortgage that's right for you and assist you as you plan your move.
Our expert advisers will give you a free consultation on financing your property purchase. We'll also:
- Talk you through the process of buying a house in the UK
- Help you select a mortgage that's right for your needs
- Work out how much you can borrow, and explore your mortgage repayment choices
- Help you with the paperwork involved in taking out a mortgage.
Contact one of our specialist international mortgage advisers on +44 (0)1624 684 305†
Investing in UK property
It often makes financial sense for non-UK residents or foreign nationals to invest in a UK property while they or their children are studying in the UK. What many overseas students or their families need to make this investment decision a reality is a mortgage to finance the property purchase. Barclays can provide these mortgages, subject to status.
We offer:
- Terms of up to 30 years
- Fixed or variable rates
- Interest-only loans available
- Tiered loan to values of up to 95%
- The potential to offshore your UK mortgage for tax-efficiency
Barclays offers a choice of different mortgages, so you can be sure to find one that suits your circumstances and needs.
Foreign student mortgage helpline
Specialist advisers manning our mortgage helpline have the knowledge and expertise to offer mortgage advice to the parents of students planning further education in the UK.
+44 (0)1624 684 305† or click the link below and we'll call you back.
UK banks
We're a secure bank with 300 years of heritage and 48 million customers across 50 countries.
Find out more about a UK Bank Account with Barclays.
UK student account
The ideal student bank account - and more besides - for international students studying in the UK.
Find out more the iBank Student account from Barclays.
UK mortgage
Moving to the UK and require a UK mortgage? We offer a range of mortgages for non-UK residents and foreign nationals with no UK credit history.
Find out about a non resident UK mortgage with Barclays.
Requirements for financial institutions
Please note that all financial institutions in regulated centres are required, as part of their legal and regulatory responsibilities, to verify the identity of their clients and the source of their funds before accounts can become fully functional to allow withdrawals or deposits
* You may open an account if you are already studying in the UK provided you have at least nine months of your course remaining. Part-time students must be studying for ten hours or more per week
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Barclays will require a first charge over the property. As a responsible lender, we only want you to borrow what you can afford, and in a way that is best for you. When considering your application, your financial circumstances will be assessed before we make a decision to lend money. And remember, if you should run into any financial difficulties, please contact us as soon as you become aware of them.
† Lines are open 24 hours a day, 7 days a week except for 25 December when the lines are closed. Call costs may vary - please check with your telecoms provider. Calls may be recorded so that we can monitor the quality of our service and for security purposes.
The products and services described on this page are provided by the following companies, which are part of Barclays: Barclays Bank PLC in London and Barclays Private Clients International Limited in the Isle of Man, Jersey and Guernsey. For further Information on these companies and Barclays please read the 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 company reserves the right to make a final determination on whether or not you are eligible for any particular product or service.
