D.H. Realting

Property in the United Kingdom: buying and support

London and the regions: no ownership restrictions for foreigners, but a non-resident pays a stamp duty surcharge — and the surcharges stack.

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Why United Kingdom

  • No restrictions on foreigners

    Property ownership is not restricted by nationality, non-residents included.

  • London — one of the world's most liquid markets

    A deep resale market and one of the most liquid property markets in the world.

  • A transparent common-law procedure

    An English-speaking common-law jurisdiction with a transparent process and land registry.

  • Honestly, about surcharges: they stack

    SDLT for a non-resident carries a 2% surcharge that stacks with the additional-property surcharge — at the top band the combined rate can reach 19%.

  • Honestly, about freehold and leasehold

    Flats are often leasehold with a finite term, ground rent and mandatory management charges — the remaining lease length directly affects price and mortgage eligibility.

Investments from €1,152,201

Properties available right now. The catalogue price is the same figure quoted here.

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Most affordable properties

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How the purchase works

  1. 1

    We map your goal

    Goal, budget and your preference between freehold and leasehold.

  2. 2

    An offer through the agent

    We make an offer through the seller's agent.

  3. 3

    Conveyancing by a solicitor

    Title, encumbrances, planning restrictions and searches against local registries.

  4. 4

    Exchanging contracts

    From this point the commitment is binding — before exchange neither party is legally bound.

  5. 5

    Paying the deposit

    The deposit is paid at exchange of contracts.

  6. 6

    Completion and registration

    We complete the deal and register the title at the Land Registry.

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Frequently asked questions

Can a foreigner buy property in the UK?+

Yes, there are no ownership restrictions by nationality or residence. Non-residents and foreign companies may buy. The distinctive features concern not market access but the taxation of the transaction.

What surcharge applies to non-residents?+

2% on top of all other stamp duty rates. For SDLT purposes a resident is someone present in the UK for at least 183 days in the 12 months ending on the day of completion.

Is it true that the surcharges stack?+

Yes. For a non-resident buying an additional property, the combined rate at the top band can reach 19%: the base rate plus the additional-property surcharge plus the non-resident surcharge. That changes the entry maths fundamentally.

How does freehold differ from leasehold?+

Freehold is perpetual ownership of the property and the land. Leasehold is ownership for a fixed term, common for flats, with ground rent and mandatory service charges. The remaining lease term feeds directly into price and into whether a mortgage is available.

Does buying property grant residency in the UK?+

No. The Tier 1 investor visa is closed and buying property is not a basis for a visa or residence permit. It should not be treated as a route to status.

When does the deal become binding?+

On exchange of contracts and payment of the deposit. Before that, in England and Wales the parties are not legally bound, and being outbid late in the process does happen in practice.

Who handles the transaction?+

A solicitor or licensed conveyancer. They carry out the legal due diligence, run local searches, prepare the contract and register title at the Land Registry. Each side instructs its own.

Do you have property in the UK?+

Yes, there are listings in our catalogue. We will match to budget and purpose and calculate stamp duty for your status and existing holdings — that figure is often the deciding one.

Go deeper

UK annual house price growth halves to 0.8% in September

Nationwide reports the weakest annual growth since December 2025, with an average price of £274,251 and a clear gap between the north and south of the country.

In our catalogue from
€1,152,201
EU member
No

Overview

The UK does not restrict property ownership by nationality. The decisive factor in the calculation is stamp duty: a non-resident surcharge applies, and it stacks with the surcharge on additional property.

Why buy here

No ownership restrictions for foreigners, including non-residents. London is one of the world's most liquid markets with a deep secondary market. An English-speaking common-law jurisdiction with a transparent process and a land registry.

Taxes, costs and yield

Benchmarks for taxes, purchase and holding costs and rental yield. Exact figures depend on the property and your situation.

Taxes

SDLT with a 2% surcharge for non-residents, which stacks with the additional-property surcharge. Annually, council tax.

Costs & taxes

The main item is SDLT. Non-resident buyers pay a 2% surcharge on top of all other rates; for SDLT purposes a resident is someone present in the UK for at least 183 days in the 12 months ending on the day of completion. The surcharges stack: for a non-resident buying an additional property, the combined rate at the top band can reach 19% — the base rate plus the additional-property surcharge plus the non-resident surcharge. Also payable: solicitor's fees, searches, valuation, a survey and registration charges. Annually the owner pays council tax, depending on the property's valuation band and the local area.

Buying process

1. Offer through the seller's agent. 2. Legal due diligence (conveyancing) by a solicitor: title, encumbrances, planning constraints, results of local searches. 3. Exchange of contracts and payment of the deposit — from this point the commitment is firm. 4. Completion and registration of title at the Land Registry. Before exchange of contracts the parties in England and Wales are not legally bound — a feature of local practice.

Mortgages

UK banks and specialist lenders work with non-residents, but with higher requirements for the deposit and proof of income.

Residence & visas

Buying property in the UK does not grant residency and is not a basis for a visa. The Tier 1 investor visa is closed, and a purchase should not be treated as a route to status.

Investment notes

The distinction between freehold and leasehold is critical: UK flats are often leasehold with a finite term, ground rent and mandatory service charges. The remaining lease term feeds directly into price and into whether a mortgage is available. The non-resident surcharge can be reclaimed if you subsequently become UK resident within the prescribed period — the conditions are confirmed with a solicitor.

Risks to consider

What to bear in mind: — stamp duty surcharges stack, and the resulting rate for a non-resident buying an additional property is substantially above the base; — for leasehold flats, check the remaining term and the level of mandatory charges — a short term impedes both resale and lending; — before exchange the deal does not bind the parties, and being outbid late in the process does happen; — SDLT rates have been revised — current figures are confirmed by a solicitor as at the transaction date. Checked in September 2026. Thresholds, rates and programme terms change — confirm the current requirements with a lawyer in the country before you buy.

Estimate costs and yield

Request a selection in United Kingdom

Figures are indicative, change over time and depend on the specific property and your circumstances. Obtain independent legal, tax and financial advice before any purchase.

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