Foreign nationals and expats investing in UK property often look at HMOs for higher yields. But HMO mortgages for overseas investors come with stricter criteria, extra documentation, and specialist lenders. This guide explains what you need to know to secure one.

A decade ago, getting a UK mortgage as a non-resident felt like navigating a locked system. Only a handful of lenders would consider overseas income or foreign documentation. Today the landscape looks radically different. The UK non-resident mortgage market has matured into a competitive ecosystem with dozens of lenders actively serving global buyers. Understanding how the market evolved from 2016 to 2026 - and where it’s heading - is essential for overseas investors planning UK property purchases.