The UK’s open and well-regulated property market continues to attract global buyers looking to invest in residential or commercial assets. A common question among international clients is: “Can I buy a house in the UK without a visa?” The answer is yes – foreign nationals can legally purchase UK property without holding a UK visa or residency permit.
Fraser Bond has helped numerous international investors, expatriates, and non-residents acquire UK property smoothly and securely. This article explains how overseas buyers can purchase real estate in the UK, what’s required, and how Fraser Bond supports every step of the process.
Yes. There are no legal restrictions preventing non-UK residents or foreign nationals from buying residential or commercial property in the UK. Whether you're looking for an investment asset, a second home, or a future base in the UK, you are free to purchase real estate without holding a visa or immigration status.
However, ownership does not grant you residency, and you must follow certain legal and financial requirements to complete the transaction successfully.
Buyers must pass strict anti-money laundering (AML) checks. This involves:
Valid government-issued ID (passport)
Proof of address in your home country
Source of funds declaration and supporting bank statements
While not mandatory, having a UK bank account can ease the transaction process, especially for mortgage payments or holding funds for completion.
You’ll need a UK-based conveyancing solicitor to handle the legal aspects, including:
Title checks and land registry filings
Drafting and reviewing contracts
Liaising with the seller’s legal team
Fraser Bond can connect you with vetted legal professionals experienced in international transactions.
Foreign buyers are subject to standard SDLT rates, plus a 2% surcharge for non-resident individuals or companies.
For example:
Properties over £250,000 attract progressive SDLT bands
Additional charges apply to second homes or buy-to-let purchases
Non-residents can obtain a UK mortgage, although:
A larger deposit (typically 25–40%) may be required
Interest rates may be higher than for UK residents
Lenders will assess foreign income and creditworthiness
Fraser Bond works with UK and international banks offering mortgage products tailored to foreign buyers.
If you won’t be residing in the property, appointing a local letting and management agent is crucial for rental oversight, maintenance, and tenant communication.
Large international transfers can be affected by exchange rate fluctuations. Work with a regulated FX provider to optimise transfer timing and reduce costs.
Non-resident buyers may be liable for:
Capital Gains Tax (CGT) upon selling UK property
Inheritance Tax (IHT) for assets above thresholds
Annual Tax on Enveloped Dwellings (ATED) if purchasing via a company structure
Consulting a UK tax advisor is essential. Fraser Bond can recommend trusted specialists.
We offer end-to-end solutions for overseas clients acquiring UK property without residency status:
Sourcing off-market and new-build opportunities
Remote viewings and virtual due diligence
Introductions to UK solicitors, tax advisors, and mortgage brokers
Transaction management from offer to completion
Lettings and property management services post-purchase
Our team ensures full legal compliance, seamless communication, and a transparent process – no matter where you're based.
Purchasing property in the UK is fully accessible to non-residents, even without a visa. While the process involves several regulatory, legal, and financial steps, Fraser Bond ensures that overseas buyers receive expert guidance and support every step of the way.
Whether you're buying for investment, personal use, or future relocation, trust Fraser Bond to help you navigate the UK market with confidence and clarity.
