Non-resident mortgages for UK properties, with tracker rates that follow the Bank of England base rate
— Our mortgage solutions —
Our UK property loan products
BC Tracker
Buy-to-Let mortgages for non-UK residents
Tracker rates
- Loan purpose: Buy-to-Let mortgages to purchase, refinance or release equity
- Loan to value (LTV): Up to 80%; up to 70% for asset-backed loans
- Loan amount: Up to £2 million
- Loan term: Up to 30 years, with the option of interest-only for the first 5 years to improve cash flow
- Investment properties accepted anywhere in the UK
- 1-year, 2-year and 5-year fixed-rate options available
- Notice of acceptance of your application issued within 2 business days
- Formal confirmation of the valuation-based credit review within 7 business days of paying the application fee
*A tracker rate is a variable rate: the Bank of England (BoE) base rate plus a fixed margin, so it moves when the BoE base rate changes. The 2-year tracker is the BoE base rate plus 3.34% p.a.; the 5-year tracker is the BoE base rate plus 3.44% p.a. When the tracker period ends, the mortgage reverts to the follow-on rate, which is the BoE base rate plus 3.49% p.a.
— Product flexibility —
Greater leverage with our non-resident investment loans.
We assess your income, assets, family support and property together. A simple application unlocks your investment potential.
Multiple income types
Open to any investor or SPV/LLP company, with family guarantors accepted.
Repayment type
Principal and interest, or interest-only for up to 5 years.
Overseas documents
We can review income, bank, company and asset documents from your country of residence.
Family support
Family guarantors accepted.
Interest rates
Variable (tracker) or fixed rates available.
Multilingual service
Support in Chinese, English and Japanese to help prepare your application and transaction documents. Chinese documents do not need translation.
— Application process —
Five steps to finance
A clear, transparent process, a Chinese-speaking service from start to finish, and preliminary confirmation in as little as 48 hours.
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Share your loan requirements in the form below (property details, loan purpose, and more). We’ll come back with initial information on suitable loan products.
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Work directly with BC Asia or your mortgage referrer to complete and submit the loan application form, with the identity and income documents required.
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We’ll review your application and, in most cases, send a conditional approval with loan terms within 2 business days.
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When all checks are complete, we issue formal loan approval and send the documents to you for signing.
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Settlement complete — you’re all set!
— Free consultation —
Get a preliminary assessment for your UK property loan.
After you submit the details, we match you with suitable loan products based on your loan purpose, income sources, assets and the property. You can also send your enquiry through the contacts below.
Email：
[email protected]
WeChat：
BCGroup16
Language：
Chinese｜English｜Japanese
— For brokers and professional partners —
Work with us to serve your clients.
A flexible range of property loans for overseas buyers and complex cases.
✓ A dedicated team follows each submitted case and updates you on progress in real time
✓ A bilingual Chinese and English team reduces communication and document translation costs
✓ Buy-to-let mortgages
✓ Tracker and fixed rate options
✓ Asset-backed loans accepted
Partnership highlights
One-to-one support from a dedicated business development manager.
Fast pre-assessment and steady approvals
Non-resident-friendly underwriting that accepts overseas documents
A flexible product mix covering a wider range of clients.
Bilingual Chinese and English support