Buying UK investment property as an overseas investor
Most firms selling UK property to overseas buyers are paid by the developer. We are not. We act for the buyer, underwrite the asset before you commit, and tell you when the numbers do not work.
An overseas buyer can own UK property outright with no restriction on nationality or residency. What changes versus a UK buyer is cost and process: a 2% non-resident stamp duty surcharge on residential purchases, tax on UK rental income under the Non-Resident Landlord Scheme, non-resident capital gains tax on disposal, a narrower pool of lenders, and heavier source-of-funds checks. None of that blocks a purchase. All of it needs pricing in before you offer.
What an overseas buyer needs to know
No ownership restriction
There is no nationality or visa requirement to buy UK residential or commercial property, and no cap on how much you may own.
The real cost is the surcharge stack
Non-resident buyers pay a 2% surcharge on top of standard stamp duty, and the additional-property surcharge applies on second and investment homes. Model the total, not the headline rate.
Finance is available but narrower
Expat and foreign-national buy-to-let mortgages exist, typically at lower loan-to-value and higher rates than a UK-resident borrower. Cash buyers move faster and negotiate harder.
Yield sits outside London
Prime London is a capital-preservation trade at low yield. Income-led buyers usually do better in the regional cities, which is where most of our sourcing sits.
New-build premiums
Off-plan stock marketed abroad is often priced above local comparables. We underwrite against what the same street actually sells for.
Currency timing matters
On a seven-figure purchase, the exchange rate moves the price more than the negotiation does. Fix the rate when the deal is agreed, not at completion.
What to check before you commit
Who is paying the adviser
If the firm showing you stock is paid by the developer, their incentive is the sale, not your return. Ask, in writing.
Comparable evidence
Local sold prices per square foot on the same street, not a glossy brochure's area average.
Achievable rent
Signed lettings evidence in the same postcode, not a projected yield in the marketing pack.
Total acquisition cost
Stamp duty with the non-resident and additional-property surcharges, legals, survey, currency spread and sourcing fee in one number.
Ground rent and service charge
On leasehold flats these can erode the yield entirely and can make the asset hard to resell.
Exit
Who buys this from you in five years — a UK owner-occupier, a landlord, or only another overseas investor being marketed to?
How we work with buyers abroad
We buy the way a UK institution buys: a written mandate, stock brought to us by agents, receivers and private sellers before it is advertised, then an underwrite you can read. You do not need to be in the UK. Identity and source-of-funds checks are completed remotely, viewings are filmed or attended on your behalf, a UK solicitor is instructed and, where you prefer, a power of attorney lets exchange and completion happen without you travelling. Reporting is written for someone in another time zone: numbers, photographs and decisions, not a request to call back.
Tell us what you're looking for
Five answers and an email. We come back the same working day with an honest read on whether we see stock that fits — including when we don’t.
UK property for overseas investors: common questions
Can a foreigner buy property in the UK?
Yes. There is no restriction on nationality or residence for owning UK residential or commercial property, and no visa requirement. Additional tax and stricter anti-money-laundering checks apply, but ownership itself is unrestricted.
How much extra stamp duty does a non-resident pay?
A 2% non-resident surcharge applies on residential purchases on top of the standard rates, and the additional-property surcharge applies if this is not replacing your main home. Rates change; we model the exact figure for your purchase before you offer.
Can I get a UK mortgage as a non-resident?
Yes, through expat and foreign-national buy-to-let lenders. Expect lower loan-to-value, higher rates and more documentation than a UK-resident borrower, and allow longer for the application.
Do I need to visit the UK to buy?
No. Checks, viewings, legal instruction and completion can all be handled remotely, including via power of attorney where you prefer.
Should I buy personally or through a company?
It depends on your own tax position at home as much as the UK position. We set out the trade-offs and work alongside your accountant; we are buying agents, not tax advisers.