UK mortgages for Turkish citizens & non-UK residents
Buying property in the UK as a Turkish national or non-resident? We've placed mortgages for hundreds of clients in your exact situation.
Why specialist help matters
Non-resident lenders are a small club
Only a handful of UK lenders accept applicants without a UK address history. We know which ones, what they look for, and how to position your case.
Income from Turkey is acceptable
Income proven via Turkish payslips, company accounts, or international employment can all be used — converted to GBP with proper documentation.
Up to 75% LTV typically available
Most non-resident mortgages cap at 70-75% LTV. We match you with lenders willing to lend at those levels for clients with strong overseas income.
We handle the paperwork
Apostilles, certified translations, proof-of-funds letters, source-of-wealth — we have a Turkish-speaking caseworker who's done this 200+ times.
Who this works for
- Turkish citizens with no UK residency
- UK residents with overseas income from Turkey
- Dual-national families buying for children studying in the UK
- Investors building a UK buy-to-let portfolio from abroad
Documents you will typically need
- Passport (apostilled copy if non-resident)
- Last 3 months of Turkish bank statements
- Last 2 years' tax returns (Turkish + UK if applicable)
- Proof of deposit (bank statement, gift letter, sale of property, etc.)
- CV / employment letter explaining income
Frequently asked questions
Can I get a UK mortgage as a Turkish citizen with no UK address?
Yes. A small group of UK lenders accept non-residents. Typically you will need a 25-30% deposit, proof of stable income, and a clean credit history in your home country.
What is the maximum LTV for non-UK residents?
Most lenders cap at 70-75% LTV. Strong applications with verifiable income from a stable Turkish employer or business sometimes reach 75%.
Do I need to be in the UK to apply?
No. The whole process — including signing — can be done from Turkey using video ID verification and electronic signatures.
Will my Turkish income be accepted?
Yes, by the right lender. Income from a Turkish employer, a Turkish-registered company you own, or rental income from Turkish property can all be used with certified statements and tax filings.
How long does the process take?
Typically 6-10 weeks from application to completion for non-resident cases — slightly longer than the UK average due to apostilles and translations.
Let's get started
Buying property in the UK as a Turkish national or non-resident? We've placed mortgages for hundreds of clients in your exact situation.
Speak to a Turkish-speaking specialist