Frequently Asked Questions
Answers on UK property acquisition, tax obligations and the investment process to help you make informed decisions.
12expert answers · UK property guide
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Can foreign nationals buy property in the United Kingdom?
Yes. There are no restrictions on purchasing property in the UK from abroad. You may acquire property in your own name, jointly, or through a company — no residency or citizenship requirement applies.
Do I need a visa or residence permit to buy property?
No. You do not need a visa or residence permit to purchase property. However, owning property does not grant the right to live in the UK — you must hold an appropriate visa for long-term residence.
What taxes do I pay as a foreign investor?
The main tax at purchase is Stamp Duty Land Tax (SDLT). Overseas buyers pay standard rates plus an additional 2% non-resident surcharge. SDLT is calculated progressively based on property value.
Will I pay Capital Gains Tax (CGT) when I sell my UK property?
Yes. Since 2015, non-residents have been liable for Capital Gains Tax on gains from UK property sales. The rate is typically 18% or 28% depending on your income level.
Does Inheritance Tax (IHT) apply to my property?
Yes. UK property is subject to Inheritance Tax regardless of where you live. The standard rate is 40% on estates above £325,000. Many international investors use company or trust structures for estate planning.
Do I pay Income Tax on rental income?
Yes. If you let your UK property, you must report rental income to HMRC. Non-residents typically pay the 20% basic rate; expenses and allowances may reduce your liability.
Can I get a mortgage as a foreign investor?
Yes. Many banks and specialist lenders offer mortgages to overseas buyers. A higher deposit (25–40%) and additional documentation to verify income or assets are commonly required.
How does the UK property purchase process work?
The main steps are:
- Making an offer
- Instructing a solicitor for due diligence (title, planning, legal compliance)
- Exchange of contracts after review
- Completion and transfer of ownership
The process typically takes 8–12 weeks.
Should I buy in my personal name or through a company (SPV)?
This depends on your tax position and long-term goals. High-value investors often prefer company structures for efficiency, while personal ownership may be simpler for one or two properties. Expert tax advice is strongly recommended.
Which UK locations are attractive for foreign investors?
London is globally recognised for stability and prestige. Regional cities such as Manchester, Birmingham and Liverpool offer higher rental yields and strong growth potential. The right location depends on whether your focus is lifestyle, rental income or capital appreciation.
What ongoing costs should I expect?
Typical costs include council tax, service charge (for flats), ground rent (leasehold properties), insurance and maintenance. If letting, income tax and potential management fees also apply.
Why should I work with Meridien Luxe?
Meridien Luxe specialises in guiding international clients through the UK property market. With expertise in property law, tax awareness and access to selective listings, we ensure your purchase is secure, efficient and aligned with your goals. We offer a reassuring, selective and personalised service from start to finish.
Our advisory team is ready to provide answers tailored to your UK property journey.