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NRI mortgage comparator

Find a lender that fits 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.

Mortgage partner

Habito

Compare UK mortgage options digitally

Habito gives UK NRIs access to a digital-first mortgage journey with broad lender coverage and no upfront broker fee.
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NRIWallah team

Updated October 2026

Finding the right NRI mortgage

Your visa type, employment status, income sources and deposit origin all affect which lenders will consider your application, so the market is more complicated than it looks.

The landscape

UK high-street banks lend to NRIs with indefinite leave to remain or a Skilled Worker visa, and many count only UK income. Indian banks in the UK may consider Indian income sources. India-based lenders provide home loans for Indian property.

Visa type is the main factor

  • Indefinite leave to remain: the widest access and the most competitive rates.
  • Skilled Worker visa: good access, usually with a larger deposit.
  • Spouse visa: accepted by many lenders, often on terms similar to indefinite leave.
  • Student visa: very limited options, and usually a guarantor.

Getting your deposit right

Many NRIs fund the deposit from:

  1. UK savings: straightforward and the most widely accepted.
  2. NRE repatriation: fully repatriable, but needs bank statements showing the source.
  3. A family gift: accepted with a signed gift letter.
  4. Company funds: a director’s loan is one route for contractors using a personal service company.
  5. Sale of Indian property: proceeds come through the NRO account after tax clearance. The property sale guide explains the steps.

Indian property finance for NRIs

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

  • The rate is usually higher.
  • The maximum tenure may be shorter.
  • A power of attorney is often needed for registration.
  • EMIs must come from NRE or NRO accounts.
  • Some lenders require a resident co-applicant.

The RERA verifier checks a project’s registration before you pay a deposit.

Using the comparator

Choose your country of residence, visa type and employment status, and the table narrows to lenders that are likely to consider you. Treat it as a shortlist. Lenders change criteria without notice, so confirm eligibility with the lender or a broker before you pay for a valuation or application. The UK NRI hub covers banking and settling in, and the NRI banking guide explains the NRE and NRO accounts used to move a deposit from India.

Common questions

Yes, but the options depend on your visa. Holders of indefinite leave to remain have the widest choice. Skilled Worker visa holders can borrow from many lenders, usually with a larger deposit. Some specialist lenders also consider Indian income alongside UK income. Criteria change often, so check a lender’s current rules or ask a broker.
It varies by lender and visa type, and visa holders are usually asked for more than settled borrowers. If part of the deposit comes from India (NRE or NRO funds), the lender will want to verify the source and may ask your Indian bank for extra documents.
Some lenders will count Indian rental or investment income towards affordability, and the comparator flags them. Many mainstream lenders consider only UK-source income. A specialist NRI mortgage broker can tell you which lenders will maximise your borrowing.
NRIs can borrow from Indian banks to buy property in India, usually at a higher rate than resident borrowers. Some lenders ask for a resident co-applicant, and the maximum tenure can be shorter than for residents. EMIs must be paid from NRE or NRO accounts. The home loan EMI calculator compares an India loan with one abroad.
For NRIs a broker usually helps, because visa status, multi-country income and a deposit from overseas make applications non-standard. A broker can also tell you which lenders will not lend to you before you apply. Habito, our partner, is one digital option.

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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