Can I Buy Property in the UK Without a Visa? Yes, foreign buyers who are not UK residents can legally purchase property in the United Kingdom without needing a visa. There is no requirement for residency or citizenship to buy a home in the UK. However, owning a property does not automatically grant you the right to live or work in the UK.
The previous Tier 1 (Investor) Visa program, which allowed individuals to apply for residency through a £2 million+ investment, was closed in 2022. It is no longer possible to apply under this route. Those interested in relocating to the UK through investment now need to explore alternative visa options such as the Innovator Founder Visa or UK Expansion Worker Visa — though these are not directly tied to property investment.
Can I Get a UK Mortgage as an Overseas Buyer?
Yes, non-residents can apply for a UK mortgage to finance a property purchase. However, the process differs significantly from what UK residents experience. Overseas buyers are often required to provide larger deposits (typically between 25% and 35%) and may face higher interest rates.
UK-based lenders and some international banks do offer mortgage products specifically for foreign investors. Working with a specialist mortgage broker who understands international lending can be helpful in securing the most suitable deal and navigating the documentation requirements, such as proof of income and identity.
Can I Buy Property in London While Living Abroad?
Absolutely. London remains one of the most attractive markets for international investors. Foreign buyers can legally own freehold or leasehold property in their name. However, if financing through a mortgage, expect more documentation, stricter checks, and higher upfront payments compared to domestic buyers.
If you’re considering buying in London from abroad, it’s strongly recommended to work with a trusted real estate agency that can assist with legal, financial, and logistical aspects of the process.