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Visa & immigration aligned
We connect your immigration status with your mortgage pathway so advice stays coherent.
Visa-aware mortgage guidance for immigrants building a life — and a home — in the UK.
Buying in the UK
Can foreigners buy property in the UK?
Whether you are in your home country or in the UK, buying a house is the largest purchase you're likely to make during your lifetime. As an EU (or non-EU) citizen, getting a home loan can be a challenge — but with the right advice and assistance, it is achievable.
At STARTIN we can help you throughout the whole process, from start to finish.
Every step of the way
Immigration advice, finances, and mortgage pathways — guided together.
The basics
What is a mortgage?
A mortgage is a loan taken out with a bank or another type of financial institution to buy property or land. Most home loans must be paid back over 25 years, but it is usually possible to negotiate the length of repayment period — making it shorter or longer, depending on your circumstances.
25 yrs
Typical repayment term
EU & non-EU
Routes we support
Start → finish
End-to-end guidance
Secured loan. Your mortgage is ‘secured’ against the value of your home until it is paid off. If you are unable to keep up repayments, the lender is within their rights to repossess your home and sell it to recover their money.
Affordability
What can you afford?
It's important to avoid overstretching yourself financially. Get advice on the maximum monthly repayment you can manage — and factor in the daily running costs of owning a home.
Running costs to plan for
- Household bills
- Council tax
- Insurance
- Maintenance costs
- Travel & personal expenses
- Child maintenance (if applicable)
Lender evidence
What lenders will ask to see
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Proof of income (salary slips or bank statements)
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Outstanding debts and financial commitments
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Household and personal expense details
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Evidence you can cope if interest rates rise
Lenders are well within their rights to refuse a mortgage if they don't think you'll be able to afford it.
Eligibility
Do you qualify for a UK residential mortgage?
Requirements differ for EU and non-EU nationals. Use the checklist below to see where you stand — then speak to us about next steps.
EU national
Requirements checklist
EU nationals with a traceable, healthy credit history could be eligible for a standard UK residential mortgage if they meet these three requirements.
- 01Resident in the EU for more than three years
- 02Have a UK bank account
- 03Have a permanent job in the UK
Why these requirements exist
If you answered yes to all three, you may qualify to apply — you will still need to meet lender criteria.
Not sure which path applies? Our advisers connect immigration status with mortgage eligibility so you get clear next steps.
How it works
How can I start?
STARTIN is here to help you every step of the way — from visa and immigration requirements to organising finances and checking your credit score.
- Step 01
Reach out
Tell us about your goals, nationality, and where you are in your UK journey.
- Step 02
Review eligibility
We assess residence status, credit history, income, and lender fit.
- Step 03
Strengthen your position
We help with visas, finances, and credit score improvements where needed.
- Step 04
Explore options
Through bank and broker partnerships, we surface options that match your circumstances.
- Step 05
Walk with you
We stay alongside you step by step until you gain the confidence to complete the purchase.
Why Startin
More than a mortgage introduction
With experience and know-how on our side, we are passionate about helping you gain the confidence to start the journey — and walking alongside you to make it happen.
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Bank & broker partnerships
Access a variety of options suited to your particular circumstances.
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Credit & debt support
Even with a challenging credit score or debt consolidation needs, we help improve your outlook.
Ready to buy your dream home in the UK?
Book a consultation and we'll help you understand affordability, eligibility, and the practical next steps.
Contact Us
Or call us on 01793 313017