Can overseas buyers get a UK mortgage?

Yes, overseas buyers can access UK buy-to-let mortgages through specialist international lenders and some high street banks. Typically they require a larger deposit of 35 to 40% and may need a UK bank account or solicitor. Our overseas investor guide covers the full process.

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Mortgage Repayment Calculator

Q: Should I choose interest only or repayment for a buy-to-let mortgage?

Most buy-to-let investors choose interest only mortgages to maximise monthly cashflow. With interest only, your monthly payment is lower because you are not reducing the loan balance. At the end of the term, you still owe the full original loan amount and must repay or refinance it.

Calculate your monthly mortgage payment for any UK investment property. Compare interest only and capital repayment mortgages side by side. An LTV warning is shown automatically if your deposit falls below the 75% threshold most buy-to-let lenders require.

Property and Loan Details

Property Value

Deposit

25% deposit = 75% LTV, the typical BTL maximum.

Interest Rate

Mortgage Term

years

Repayment Type

This calculator provides an estimate for guidance purposes only. Mortgage availability, rates and terms are subject to lender criteria and individual circumstances. Speak to a qualified mortgage broker before making any borrowing decisions.

Mortgage Calculator FAQ

What LTV do I need for a buy-to-let mortgage?

Most buy-to-let lenders require a maximum LTV of 75%, meaning a minimum 25% deposit. Some specialist lenders will consider up to 80% LTV for experienced landlords, but higher LTV products typically carry higher interest rates and stricter rental income stress test criteria. Overseas buyers typically need 35 to 40% deposit.

Should I choose interest only or repayment for a buy-to-let mortgage?

Most buy-to-let investors choose interest only to maximise monthly cashflow. Monthly payments are lower because you are not reducing the loan balance. At the end of the term, you still owe the full original loan and must either sell, refinance, or repay from savings. Repayment mortgages build equity over time but reduce monthly cashflow significantly in the early years.

Can overseas buyers get a UK buy-to-let mortgage?

Yes. Specialist international lenders and some high street banks provide UK buy-to-let mortgages to non-residents. Typically they require a 35 to 40% deposit, a UK bank account and a UK-qualified solicitor. Our overseas investor guide covers the full mortgage process for non-UK residents.

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Once you know your monthly mortgage cost, we can source properties that generate the cashflow you need. Off-market deals, full due diligence and acquisition support across England.

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