UK Property Finance for UAE Residents and Expats

Own property in the UK while living in the UAE — our Leicester and Dubai teams arrange UK mortgages for expats and non-residents seamlessly.

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With offices in both Dubai and Leicester, Bradgate Heights is uniquely positioned to arrange UK property finance for clients based in the UAE. Whether you are a British expat looking to maintain or grow a UK property portfolio, or an overseas investor seeking a foothold in the UK market, our advisors on both sides bring deep localised expertise to your application. We work with UK lenders who specialise in expat and non-resident mortgages, ensuring competitive terms and a smooth cross-border process.

FCA Regulated Advice

20+

UAE Lenders

80%

Max LTV

Free

Consultation

Why Choose Bradgate Heights

Dual-Office Expertise

Our Leicester team has direct relationships with UK specialist lenders while our Dubai team understands the income and banking structures common for UAE-based clients, creating a joined-up service.

Expat Specialist Lenders

We work with UK lenders who specifically serve expatriates, meaning your UAE income and employment type are well understood and fairly assessed in the mortgage application.

UK Buy-to-Let Options

We arrange UK buy-to-let mortgages for UAE residents who want to generate sterling rental income and benefit from UK property market capital growth.

Cross-Currency Planning

We provide guidance on currency risk, UK stamp duty for non-resident buyers, and how to use UAE equity to fund UK property deposits efficiently and cost-effectively.

How It Works

Check Eligibility

We assess your UK credit history, UAE income documentation, and intended property type against the criteria of UK expat and non-resident mortgage lenders to identify your options.

Choose Product

We compare UK mortgage products from specialist expat lenders, including residential, buy-to-let, and portfolio options suitable for UAE-based buyers at various price points.

Application

Our Leicester team leads the UK mortgage application while our Dubai team supports with UAE income documentation, creating a seamless and coordinated joint service.

Completion

We coordinate with UK solicitors and the lender to complete your UK property purchase, managing all communication on your behalf from the UAE if you cannot be present.

Frequently Asked Questions

Can UAE residents get a UK mortgage?+

Yes, UAE residents can obtain UK mortgages through specialist expat and non-resident lenders. Requirements typically include a UK credit footprint, acceptable income documentation, and a minimum deposit of 25% for buy-to-let or 15–25% for residential purchases.

Do I pay additional stamp duty as a non-UK resident buying in the UK?+

Yes, non-UK residents pay an additional 2% stamp duty land tax surcharge on top of standard rates when buying UK property. We factor this into your total purchase cost illustration from the outset of our advice.

Can I use my UAE salary to qualify for a UK mortgage?+

Yes, most UK expat mortgage lenders accept UAE salary income. You will typically need to provide payslips, an employment letter, and bank statements, which our Dubai team can help you compile in the format required by UK lenders.

Can I buy UK property while holding a UAE residency visa?+

Yes, holding a UAE residency visa does not prevent you from buying property in the UK. Your right to buy UK property is determined by your nationality and UK immigration status, not your UAE residency.

How does using UAE equity to fund a UK deposit work?+

You can release equity from your UAE property and transfer the proceeds to the UK to fund a property deposit. We advise on the most cost-effective way to structure this, taking into account the UAE equity release process and currency conversion considerations.

Ready to get started?

Speak to a specialist today for a free, no-obligation consultation. We compare 20+ UAE lenders to find the mortgage that is right for you.

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