Non-Resident Mortgage

UK Mortgages for International Clients

Whether you are living, working or are domiciled overseas, it doesn’t have to be a barrier to applying for a mortgage in the UK. If you call the UK home you could still benefit from the same flexible non-resident mortgage service that makes us a fresh alternative.

Minimum requirements


Yearly earnings required to qualify


Net worth in order to be eligible

Your property may be repossessed if you do not keep up repayments on your mortgage.

Ready to discuss your mortgage options?

If you are looking to change your mortgage deal over to Investec, or have an existing mortgage with us and have a question, our team of dedicated private bankers can help with your enquiry.

Tel: +44 (0)20 7597 4050

Investec Bank plc and its subsidiaries recognise and respect the privacy and data protection rights of individuals with regards to personal data. 


We may use your personal data to provide you with services you request from us, or to manage your accounts, make decisions, detect and prevent fraud, fulfil any contractual relationship with you, undertake analysis and assessment, ensure that we comply with legal and regulatory requirements and/or for other purposes where in our legitimate interests. 


For further details as to how Investec uses personal data, please refer to our Data Protection Notice


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International mortgage interest rates

We offer a selection of fixed and variable rate mortgages. The actual rate available to you will depend upon your individual circumstances. Ask us for a personalised illustration.

Foreign currency incomes welcome

We also consider income derived in a foreign currency or currencies. 

Key features of our mortgages for international clients

Choice of terms and repayment types

Borrow up to 65%

Flexible borrowing amount

Make overpayments

Choice of terms and repayment types

As an oversease client of a UK mortgage, you can choose how you repay your Non-Resident mortgage. Your options include:


  • Repayment and interest-only mortgages, or a combination of both.
  • Term of up to 25 years with no minimum.

Borrow up to 65%

You can borrow up to 65% of the property value. We may even consider a higher percentage.

Flexible borrowing amount

The amount you can borrow is flexible and based on your individual circumstances – starting from £250,000. Please ask us for further details.

Make overpayments

You also have the freedom to make overpayments. Please note: an early repayment charge may apply.

Non-resident mortgage fees and charges apply

To keep things simple, the same type of fees and charges apply to all our mortgages.

See a detailed breakdown of fees and charges that may apply >

Important information

The Non-Resident mortgage is suitable if you are looking to buy a new home or remortgage an existing main residence from another bank or financial institution in England or Wales.
Minimum cash or assets under management
You need to have cash or assets under Investec management of at least £250,000 to apply for a Non-Resident Mortgage.

Discuss your mortgage options with a private banker