Property Financing Options

Overseas buyers and investors can obtain finance to purchase UK property. This is a more specialised area and there are some extra criteria from the banks and finance companies for non-UK residents.

Capricorn Finance offices are based across the world and in the Middle East. They specialise in this market sector and have developed the expertise to advise and assist investors to buy and develop UK property portfolios for many of their clients.

Capricorn provides solutions for residential mortgages, buy-to-let, commercial finance, development finance, HMO (House of Multiple Occupation), bridging loans, second charges, equity loans, luxury asset purchases,  general insurance, and foreign exchange services.

 Is it better to pay cash or is it better to use some finance to purchase a property and develop your portfolio? Click here to read our article on “Cash Vs Mortgage”.

An Introduction to Capricorn Finance 

  • Largest independent mortgage brokerage in London, and experts in arranging finance for Non-UK Residents with offices in Singapore & Hong Kong
  • Access to all the UK lenders, and a large panel of overseas lenders and private banks
  • Access to genuinely exclusive products, not available directly or through other intermediaries
  • Arranged over £2bn of lending in 2021, from over 8,000 property-related transactions
  • Offering face-to-face consultations, with no upfront fees or obligations
  • Over 65 expert advisers, with multiple language skills, including Mandarin, Cantonese, Malay, Arabic, Russian, and other major European and Asian languages

Typical Lending Criteria

  • No minimum income required
  • Lending is available up to 80% for both purchases and re-mortgages
  • Interest-only and Interest + Principle (repayment) loans are available
  • Pre-approvals can be turned around within 24 hours
  • Full mortgage approval typically within 4-6 weeks
  • Short-term (bridging) finance within 1 week
  • Lending is available anywhere in the UK
  • Can arrange financing elsewhere in the world
  • No brokerage fees charged until successful approval of the loan


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