Can foreigners get a mortgage in the UK?

Yes. Foreign nationals and property investors can obtain UK mortgages. It typically requires a larger deposit (often 25-40%) and lenders that serve international clients. Optivest's mortgage brokerage provides access to these lenders.

How much deposit do you need for a UK mortgage?

Resident buyers typically put down 10-25%, while non-resident investors are usually asked for 25-40%. The larger the deposit, the lower the interest rate and monthly repayment.

How is a monthly mortgage payment calculated?

The monthly payment is derived from the loan amount (price minus deposit), the annual interest rate and the term in years, using the standard amortisation formula. Enter these three values in the calculator above to see the instant repayment and total cost.

Mortgage Calculator, UK Home Loan

Mortgage Calculator

Estimate Your UK Property Mortgage

Enter property price, LTV, rate and term, see interest-only and repayment monthly payments plus total cost.

Your Mortgage Details

Property Price (£)LTV Rate (%)Calculated Loan (£)Interest Rate (% per year)

Fixed YearsTotal Years

Arrangement Fee (%)Arrangement Fee (£)

Estimated Payments

Interest-Only / month

£2,406.25

Repayment / month

£3,223.96

Interest Total · 5 yrs

£144,375.00

Repayment Total · 5 yrs

£193,437.56

Interest Total + Fee

£149,625.00

Repayment Total + Fee

£198,687.56

* Indicative only. Actual rates and fees vary by lender, LTV and applicant profile. Contact our mortgage advisors for a tailored quote.

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