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By the NRIWallah team · Updated June 2026

NRI Mortgage Comparator

Find a lender that works for your visa, income, and country

NRI mortgage lenders compared

Filter by visa type, country, and employment status to find eligible lenders

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Rates and eligibility criteria are indicative and change frequently. Self-employed acceptance varies by lender criteria. Indian income consideration means the lender may count Indian rental/investment income towards affordability. Always consult a qualified mortgage adviser before applying.

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Frequently asked questions

Yes, but options depend on your visa type. ILR (Indefinite Leave to Remain) holders have the widest choice and can access most mainstream lenders. Tier 2/Skilled Worker visa holders can borrow from many lenders but typically at lower LTV ratios (75-80%). Some specialist lenders also consider Indian income alongside UK income.
Most NRI mortgage products require 15-25% deposit. ILR holders may access up to 85% LTV (15% deposit). Skilled Worker visa holders typically need 20-25% deposit. If your deposit includes funds from India (NRE/NRO), the lender will need to verify the source and may require additional documentation from your Indian bank.
Some lenders (SBI UK, ICICI Bank UK, Bank of Baroda UK) will consider Indian rental or investment income towards your affordability calculation. Mainstream UK lenders (Barclays, Halifax) generally only consider UK-source income. A specialist NRI mortgage broker can identify which lenders will maximise your borrowing.
NRIs can get home loans from Indian banks (SBI, HDFC, ICICI) for property purchase in India. Interest rates are typically 8.5-9.5% (higher than resident rates). You’ll need a local co-applicant in some cases. Loan servicing (EMIs) must be from NRE/NRO accounts. Maximum tenure is usually 15-20 years for NRIs vs 30 years for residents.
Self-employed NRIs (including contractors via PSC/umbrella companies) can get mortgages, but the process is more complex. Lenders typically want 2-3 years of accounts. In the UK, some lenders accept day-rate contracts calculated as equivalent salary. HSBC and Barclays are generally more receptive to self-employed NRI applications.
For NRIs, a broker is almost always better. NRI mortgage applications are non-standard — visa status, multi-country income, deposit from overseas sources — all create complications that a specialist broker handles routinely. Brokers like Habito access 90+ lenders, including exclusive deals not available direct.

Finding the Right NRI Mortgage

The NRI mortgage market is more complex than it appears. Your visa type, employment status, income sources, and deposit origin all affect which lenders will consider your application.

The NRI mortgage landscape

UK high-street banks (Barclays, Halifax, HSBC) will lend to NRIs with ILR or Skilled Worker visas, but typically only count UK income. Indian banks in the UK (SBI UK, ICICI, Bank of Baroda) offer the advantage of considering Indian income sources. India-based lenders (HDFC, SBI India) provide home loans for Indian property purchases.

Visa type matters more than income

The single biggest factor in NRI mortgage eligibility is visa type:

  • ILR holders — widest access, up to 85% LTV, most competitive rates
  • Skilled Worker visa — good access, typically 75-80% LTV
  • Spousal visa — accepted by many lenders, similar to ILR
  • Student visa — very limited options, usually need a guarantor

Getting your deposit right

Many NRIs fund their deposit from:

  1. UK savings — straightforward, most accepted
  2. NRE repatriation — fully repatriable, needs bank statements showing source
  3. Family gift — accepted with a signed gift letter
  4. PSC company funds — director’s loan is an option
  5. Sale of Indian property — proceeds via NRO after tax clearance

Indian property finance for NRIs

If buying in India, NRI home loans differ from resident loans:

  • Higher interest rates (0.5-1% premium)
  • Shorter maximum tenure
  • Power of Attorney requirement for registration
  • EMI payments from NRE/NRO accounts only
  • Some lenders require a resident co-applicant

Every rate and threshold here is sourced, dated and shown on the page — but tax rules change, and we would rather be told than be wrong. Reports go to the team that maintains the tool. If you can point at the official source, that gets it fixed fastest.

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Prefer email? admin@nriwallah.com. How we source and review these numbers is set out in our methodology.

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