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Our guide for international buyers: Investing in UK property

Are you considering purchasing property in the UK from overseas? At By Design, we understand that buying a home or investment property in Britain can seem daunting if you’re new to the process.  Read on for our step by step guide.
The process of purchasing a property can differ hugely from country to country. This guide is to demystify the journey, offering practical advice and expert insights for international buyers looking to make the most of the UK’s vibrant property market.

Why invest in UK property?


The UK remains a top destination for international property investors. Its market is renowned for long-term stability, strong legal protections, and a diverse range of property types-from city apartments to countryside cottages. Recent forecasts predict steady house price growth through 2025, with experts expecting a 2%–4% rise in average values this year, making now an attractive time to consider your options.

Can international buyers purchase property in the UK?


Absolutely! There are no restrictions on foreign nationals buying property in the UK, whether you plan to live here or invest from abroad. You don’t need special permissions or visas to purchase, but you will need a valid passport and proof of funds to comply with the UK’s Anti-Money Laundering regulations. These checks are standard for all buyers and help maintain the integrity of the market.

If you are planning to buy a property in the UK to live in, however, there may be some visa requirements depending on nationality. 

Understanding the buying process


Here’s a step-by-step overview for international buyers:
  • Define your investment goals and set a realistic budget.
  • Engage a reputable estate agent - like By Design - to help you identify suitable properties.
  • Arrange your finances. While UK mortgages are available to overseas buyers, requirements can be stricter, so early planning is key.
  • Make an offer - sometimes you will pay a reservation fee or deposit to secure your chosen property.
  • Appoint a solicitor to handle the legal aspects, including due diligence and contracts.
  • Complete the purchase and, if needed, appoint a local management company to oversee your investment.

Key considerations for overseas buyers


  • Taxes: Be aware of additional costs such as Stamp Duty Land Tax (SDLT) and, if you sell, Capital Gains Tax. Tax rates can differ for overseas buyers, so it’s wise to seek specialist advice.
  • Ownership types: In the UK, properties are typically sold as either freehold or leasehold. Freehold means you own the property and land outright, while leasehold means you own the property for a set number of years but not the land. Leasehold properties often come with extra charges, so review terms carefully.
  • Location and market trends: London has traditionally led the market, but regional cities and commuter towns now offer excellent growth potential and value for money. Our team can provide up-to-date insights on emerging hotspots and local trends.

A thriving market with long-term potential


Despite recent economic changes, the UK property market remains resilient. With a chronic housing shortage and robust demand, property values are expected to continue rising in the coming years. This makes UK real estate a compelling option for both capital growth and rental income.

Let By Design guide you


Navigating a property purchase from overseas is much easier with the right support. At By Design, we offer tailored advice, local expertise, and a friendly, professional service at every step of your journey. Whether you’re looking for a family home or a high-yield investment, we’re here to help you unlock the best of the UK property market.

Ready to get started? Contact By Design today for a confidential, no-obligation chat about your property ambitions.


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