Specialist UK Property Lending for Expats & International Investors

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

Buy-to-Let Loans for Foreign Nationals & UK Expats

Unlock the potential of UK property investment from anywhere in the world.

At GB Bank, we provide tailored Buy-to-Let loans for Foreign Nationals and UK Expats living abroad, designed to support global investors entering or expanding in the UK property market. Whether you’re seeking growth, income, or diversification, our flexible lending solutions work around you.

Built for Global Property Investors

Available to Worldwide Residents* and foreign nationals investing in UK real estate. UK Bank account 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 from £500k to £20m for prime UK residential and BTL, up to 75% LTV
Broad range of asset types supported (HMOs, MUBs, mixed-use)

Speak to a Lending Specialist

*Excludes FATF Blacklist and Sanctioned Countries

Why Global Investors choose GB Bank?

No UK residency required

We finance clients globally - no UK income or property needed. A UK bank account is required.

High loan amounts

Borrow up to £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.

‍

Foreign National Portfolio Buyer

Working with GB Bank on a tight deadline was a crucial factor in this deal—and 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 GB Bank and excited to continue growing our partnership.

‍

HNW Expat Investor

Why invest in UK property?

The UK remains a top-tier destination for international investors. With strong rental demand, resilient house prices, and a stable legal and financial system, the market offers long-term security and attractive returns.

For Foreign Nationals and Expats, UK property can also provide a strategic foothold - whether you’re planning a return or simply diversifying your global portfolio.

While traditional financing routes can be complex, GB Bank simplifies the process with bespoke lending designed for global investors.

FAQ's

Find quick answers to all your GB Bank queries! Explore our FAQ section for guidance on accounts and More

Frequently Asked Questions

Do you lend to foreign nationals who don’t reside in the UK?

Yes, GB Bank 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.
‍(* Excludes FATF blacklisted and sanctioned jurisdictions)

‍

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?

GB Bank 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’t consider?

We’re 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’ll assess each case individually.

‍