黑料老司机

Specialist UK property lending for investors residing in the UK

Tailored lending solutions up to 拢20m for
Buy-to-Let, Prime Residential, and Bespoke Investment Properties in the UK

Speak to a Lending Specialist

Buy-to-Let mortgages & loans for foreign nationals & expats living abroad

Unlock the potential of UK property investment as a UK-resident expat or foreign national.
At 黑料老司机, we provide tailored Buy-to-Let mortgages and loans for foreign nationals living abroad, who wish to unlock investment opportunities in the UK property market. Whether you鈥檙e seeking growth, income, or diversification, our flexible lending solutions work around you.

Foreign nationals and expats based in the UK

  • UK-resident foreign nationals and expats who want to invest in UK property. A UK bank account is required
  • No requirement to currently own a UK property
  • Relationship-led lending with bespoke structuring
  • Fast-track decisions with dedicated underwriters
  • 130% Interest calculation with top-slicing considered for certain clients
  • Support for a wide range of ownership structures, including personal names, SPVs, offshore entities, and trusts
  • Lending up to 拢20m for prime UK residential BTL and 75% LTV
  • Broad range of asset types supported (HMOs, MUBs, Mixed-use development)
Speak to a Lending Specialist

Why global investors choose 黑料老司机?

Foreign nationals and expats based in the UK

UK-resident foreign nationals and expats who want to invest in UK property. A UK bank account is required.

High loan amounts

Borrow up to 拢20 million, with competitive terms and up to 75% loan-to-value.

Flexible asset classes

We fund a wide range of properties including HMOs, MUBs, and mixed-use developments.

Complex structures considered

We support SPVs, offshore entities, and discretionary trusts - ideal for sophisticated investors.

Tailored lending solutions

Dedicated underwriters and fast-track approvals give you clarity, speed, and confidence.

What our clients say

Our clients are at the heart of everything we do.

Here's what they have to say about our customer-first approach and why we are their trusted property funding partner that gets the job done.

Speak to a Lending Specialist

Just wanted to appreciate your work in the loan. I was impressed by the speed of the transaction and your terms were favourable. I have other commercial assets to refinance so please do let me know when you are ready to do these.

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Foreign National Portfolio Buyer

Working with 黑料老司机 on a tight deadline was a crucial factor in this deal鈥攁nd they absolutely delivered! Adnan assured me from the start that they could meet my timeline, and he, along with the entire team, went above and beyond. Their proactive, pragmatic, and hands-on approach made all the difference. I'm incredibly proud to be a client of 黑料老司机 and excited to continue growing our partnership.

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HNW Expat Investor

Why invest in UK property?

The UK continues to be one of the most attractive markets for global property investors and for foreign nationals currently residing in the UK, it presents a particularly compelling opportunity.
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There has been significant rental growth in the UK over the past few years, with high demand and a low supply of rental properties, this could offer long-term security and a reliable income stream. For many foreign nationals living in the UK, investing locally is a smart way to build wealth and create a property portfolio that aligns with their long-term financial goals.

At 黑料老司机, we make it easier to invest, offering bespoke lending solutions tailored specifically for international investors living in the UK. We simplify the complexity, so you can focus on securing high-quality opportunities with speed and confidence.

Disclaimer: This product is available for persons who are interested in financing the purchase of UK property only and lending criteria applies.

Your lending specialist

At 黑料老司机, you鈥檙e not just a number. You鈥檒l be matched with a specialist who understands the nuances of international property finance.

Speak to a Lending Specialist

FAQ's

Find quick answers to all your 黑料老司机 queries! Explore our FAQ section for guidance on accounts and More

Frequently Asked Questions

Do you lend to foreign nationals who don鈥檛 reside in the UK?

Yes, 黑料老司机 offers Buy-to-Let loans to foreign nationals and non-UK residents*, including those who have never lived or worked in the UK. We consider a wide range of international borrowers and all borrowers will be subject to due diligence requirements.
鈥(* Excludes FATF blacklisted and sanctioned jurisdictions)

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Is UK property ownership a requirement for foreign national clients?

No. We will consider first-time UK property investors, including those without existing property holdings in the UK. We assess the client's global financial position and take a pragmatic view on experience and intent.

What types of property can foreign national clients invest in?

Foreign nationals can invest in standard residential units, as well as HMOs, Multi-Unit Blocks, and semi-commercial properties. We understand that international investors are often looking for higher-yielding or more diverse assets and we can find a solution for all eventualities.

Can foreign nationals purchase through a Limited Company or offshore SPV?

黑料老司机 will consider offshore SPVs, trusts, and company structures, provided the ownership and control can be clearly verified. Our team is experienced in navigating complex offshore arrangements.

Are there specific countries or nationalities you won鈥檛 consider?

We鈥檙e open to working with clients from most jurisdictions, subject to due diligence and compliance checks. There are a few countries which are subject to sanctions programmes or are high-risk where we may be restricted or prohibited, but we鈥檒l assess each case individually.

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Ready to get started?

Our expert team is ready to guide you through the process and tailor a solution to suit your goals. Whether you're purchasing your first UK property or expanding a portfolio, we're here to help.

Call us today on聽+44 (0)333 038 7620.

Monday 鈥 Friday 鈥 9.00am 鈥 5.00pm (GMT)
except for Bank Holidays.

Borrower Enquiry
Contact

London Office
73 Brook Street
Mayfair, London
England, W1K 4HX

黑料老司机 Postal Address 鈥 Savings Customers
黑料老司机
P.O. Box 988
Wallsend
NE28 5FP

黑料老司机 聽Postal Address - Lending Customers
73 Brook Street
Mayfair, London
England, W1K 4HX

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黑料老司机 is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority for savings accounts and services (Financial Services Register number: 850286. The Financial Services Register can be accessed at www.fca.org.uk/register). 黑料老司机 is a company registered in England and Wales (company number 10702260) and its registered office is 73 Brook Street, Mayfair, London, England, W1K 4HX.