A Real Example of How Nigerians Can Get UK Mortgages Faster
The demand for UK property among Nigerian investors is rising rapidly. Many Nigerians abroad and in Lagos, Abuja, and Port Harcourt, are actively purchasing UK property for rental income, children studying abroad, and long-term wealth building.
But the biggest challenge remains the same:
Getting a UK mortgage as a Nigerian national is slow, confusing, and full of rejections. This is the story of how one Nigerian investor secured a UK mortgage 4× faster using LendAbroad’s AI-powered platform. It shows what is possible for thousands of other Nigerians looking to invest in UK real estate.
The Client: A Lagos-Based Entrepreneur Ready to Invest in the UK
Profile:
Nigerian male, 38
Lagos-based entrepreneur
Income in NGN + USD
No UK credit history
Target property: 2-bedroom new-build apartment in Manchester
His goal was clear:
secure a buy-to-let mortgage without resorting to expensive bridging finance.
The Problem: Weeks of Delays and Rejections
Before finding LendAbroad, the investor faced the same challenges many Nigerians experience:
1. UK banks rejecting foreign income
High street lenders rarely accept NGN earnings or non-resident applicants.
2. Brokers taking too long to respond
Weeks passed with no clarity on eligibility.
3. Developer pushing high-cost bridging
Rates of 12–14% were suggested as the “only option.”
4. Fear of losing the property
A £5,000 reservation fee was at risk if financing wasn’t secured quickly.
He was close to giving up, until he found LendAbroad.
⭐The Solution: LendAbroad’s AI Mortgage Matching for Nigerians
LendAbroad is designed specifically for overseas buyers, including Nigerian nationals.
The entire process is digital, fast, and transparent.
1. Instant AI Eligibility Check (4 minutes)
The client completed the online check and immediately received:
Clear YES/NO eligibility results
Lenders who accept Nigerian nationals
Predicted rates and documentation list
This step alone saved 3–4 weeks of uncertainty.
2. Smart Lender Matching With Specialist UK Lenders
Based on his profile, LendAbroad matched him with a UK lender offering:
6.1% mortgage rate
Acceptance of mixed NGN + USD income
Remote verification (no UK visit required)
All requirements were explained clearly, making the process straightforward.
3. Formal Pre-Approval in 48 Hours
Compared to the usual 4–8 weeks for non-UK residents:
Soft approval arrived in 48 hours
Full pre-approval within 7 working days
No bridging finance needed
Developer accepted the mortgage timeline
The Results: Faster, Cheaper, and Stress-Free
Metric | Before LendAbroad | With LendAbroad |
|---|---|---|
Time to identify lender | 3–4 weeks | Under 5 minutes |
Pre-approval timeline | 4–8 weeks | 48 hours |
Finance option offered | Bridging at 12–14% | Mortgage at 6.1% |
Savings | N/A | £8,400 saved vs bridging |
🎉Outcome: A Successful Nigerian Investor With a Growing Portfolio
The client secured:
A £276,000 Manchester apartment
Long-term, low-cost mortgage financing
Expected rental income of £1,300/month
A smooth digital-first mortgage experience
He is now financing a second UK property using LendAbroad.
💬Client Testimonial
“LendAbroad changed everything. I wasted weeks with banks and brokers, but with this platform I got clarity instantly and an approval in just two days. I recommend it to every Nigerian investing in the UK.”
Nigerian Investor, Lagos
📌What This Means for Other Nigerian Buyers
This success story highlights a major truth:
Most Nigerians can get a UK mortgage, they just need the right lender match.
Common situations we see daily:
✔ Nigerians earning in NGN, USD, GBP, or mixed income
✔ Business owners & self-employed applicants
✔ Nigerians in the diaspora (UK, US, UAE, Canada, Europe)
✔ First-time investors with no UK credit history
✔ Buyers of new-builds, off-plan projects, and buy-to-let units
🚀 Ready to See If You Qualify?
LendAbroad helps Nigerian property buyers:
Check eligibility instantly
Match with the right UK lenders
Avoid expensive bridging loans
Get pre-approved significantly faster
👉 Discover how fast you UK buy-to-let Mortgage gets pre-approved 👉 LendAbroad.com
👉 Developers and agents: partner with us to support Nigerian clients: hello@lendabroad.com
Quick FAQs
Can Nigerians get a mortgage in the UK?
Yes. Many UK lenders accept Nigerian nationals, both residents and non-residents.
Do I need a UK credit score?
No. Several lenders work with overseas investors without UK credit history.
Can I apply for a UK mortgage from Nigeria?
Yes. The entire process can be completed online from anywhere.
How fast can Nigerians get pre-approved?
With LendAbroad, many Nigerian investors receive pre-approval in 48 hours.
Is bridging finance the only option?
Not at all. Specialist UK lenders offer long-term mortgages to Nigerian investors at far lower rates.
