Expat & Overseas Buy to Let
Investing in UK rental property while living outside the UK
Overview
Whether you're a UK national working abroad or an overseas investor buying into the UK market, a Buy to Let from outside the UK narrows the field of lenders — and adds tax and practical points a UK-resident landlord doesn't face. We know which lenders specialise in non-resident landlords, and how to structure the purchase from the start.
UK Expats Investing at Home
UK nationals living and working overseas who want to buy — or keep — a rental property in the UK
Overseas Investors
Non-UK nationals investing in UK property, subject to each lender's rules on nationality and country of residence
Personal Name or Limited Company
Many non-resident landlords buy through a UK limited company — we'll talk through which structure suits you, alongside your tax adviser
Income in Another Currency
Lenders apply their own rules to foreign income and currency — some reduce it to allow for exchange-rate movements
Why Choose Domus Finance?
Lender Knowledge
We know which lenders lend to non-resident landlords, which countries they accept, and how they treat foreign income
Costs Planned Up Front
Non-UK residents pay a 2% stamp duty surcharge in England and Northern Ireland, on top of the higher rates for additional properties
Tax Points Flagged Early
Rent paid to landlords living abroad falls under HMRC's Non-Resident Landlord Scheme — we'll make sure it's on your radar to discuss with your tax adviser
Whole of Market Access
We search thousands of mortgage products to find the best rates and terms for you.
FCA Regulated
Fully authorized and regulated by the Financial Conduct Authority.
The Mortgage Process
Initial Consultation
We'll discuss your needs, circumstances, and financial goals to understand what you're looking for.
Research & Comparison
We'll search the entire market to find the best mortgage products that match your requirements.
Application Submission
Once you're happy with our recommendation, we'll handle the application process on your behalf.
Completion
We'll keep you updated throughout and celebrate with you when your mortgage completes.
Ready to Get Started?
Speak with one of our mortgage experts today for a free, no-obligation consultation.