California’s sunshine, stability, and global business appeal have made it one of the most popular U.S. destinations for UK property investors. From entrepreneurs buying coastal homes in Malibu to families securing rental units in San Diego or San Francisco, British investors see the Golden State as a blend of lifestyle and long-term capital growth.
However, financing property in the U.S. can seem challenging from abroad, especially without a local credit score or U.S. tax filings. That’s where America Mortgages comes in. We specialize in U.S. mortgages for non-residents, helping UK buyers invest confidently with programs designed specifically for foreign nationals.
Why California Appeals to UK Investors
California’s property market offers a mix of reliability, appreciation, and lifestyle value that’s hard to match.
Here’s why UK investors continue to buy across the state:
- Consistent Property Appreciation
Real estate in cities like Los Angeles, San Francisco, and Orange County has historically shown steady long-term growth, ideal for investors seeking lasting value. - Strong Rental Market
A population nearing 40 million means constant demand from students, professionals, and global relocations. This ensures dependable rental yields and occupancy rates throughout the year. - Economic Powerhouse
From Silicon Valley to Hollywood, California drives innovation, entertainment, and technology, ensuring continued job creation and real estate demand. - Lifestyle and Climate
For UK buyers, California represents more than an investment. It’s a chance to own property in a region known for world-class weather, culture, and recreation. - Safe Legal Framework
Foreigners buying property in the U.S. enjoy full ownership rights, with strong protections under American property law.
Can UK Residents Buy Property in California?
Yes. There are no restrictions on foreign ownership in the U.S., meaning UK residents can purchase property directly or via an LLC. From London investors eyeing Los Angeles luxury homes to families planning student housing near Stanford, opportunities are vast.
Non-resident U.S. property ownership provides the same legal rights as local ownership. The key is choosing the right lender that understands international documentation — something America Mortgages is built to handle.
Financing Options for UK Buyers
Traditional U.S. banks often turn away foreign nationals who lack a U.S. credit score or tax record. America Mortgages bridges that gap with lending solutions designed exclusively for non-residents.
Available Loan Programs:
- Foreign National Mortgages: Up to 75–80% LTV; no U.S. credit score required.
- DSCR Loans: Qualify using property rental income instead of personal income.
- Purchase Loans – with asset-based or alternative documentation options available for non-residents.
- Bridge Loans: Short-term financing up to 70% LTV for quick closings.
- Refinance & Cash-Out Loans: Access equity to reinvest in other properties.
Foreign Nationals: Minimum 25% down payment. U.S. Expats: May qualify with as little as 20% down, depending on the loan program.
Uses of Property for UK Investors
UK investors choose California for both financial and lifestyle goals. Common property uses include:
- Investment Properties: Long-term capital appreciation and stable rental returns.
- Short-Term Rentals & Airbnb Homes: Strong tourism demand in areas like Los Angeles and Palm Springs.
- Cash Flow Rentals: Consistent monthly income from suburban and mid-market homes.
- Second or Vacation Homes: Seasonal properties that can double as rentals.
- Student Housing: Properties near universities like Stanford, UCLA, and UC Berkeley for children studying abroad.
- Pied-à-terre Residences: Compact city homes for frequent travelers.
- Corporate or Relocation Housing: Serviced apartments for professionals relocating to California.
- Residency or Visa Support: While property ownership doesn’t grant residency, it strengthens investor visa cases.
Types of Properties Available
California’s market offers options for every investor type and price point:
- Single-Family Homes – The most stable investment class for long-term tenants.
- Condos & Apartments (Flats) – Ideal for investors seeking low maintenance.
- Townhouses & Multi-Unit Properties – Balanced price-to-return ratios.
- Multifamily & Multiunit Buildings – Scale your investment with multiple rental units.
- Luxury Homes & Mansions – In prime neighborhoods like Beverly Hills or Silicon Valley.
- Resort & Hotel Residences – Professionally managed income-producing properties.
Down Payment, Documentation & Credit Requirements
UK buyers typically make a 25–30% down payment, depending on loan type. U.S. credit history isn’t required; international documents are accepted.
Required documentation:
- Valid passport or government ID
- Proof of funds for the down payment and closing
- International bank or credit references
- Income or asset verification (when required)
With America Mortgages, pre-approval helps strengthen your offer, giving you the confidence to negotiate effectively with sellers.
Buying Process for UK Residents
Buying property in California can be done entirely from the UK.
- Get Pre-Approved: Determine eligibility and loan amount.
- Select a Property: Partner with a realtor familiar with international buyers.
- Make an Offer: Negotiate, conduct inspections, and finalize contracts.
- Close Remotely: Most UK clients complete the process digitally within 30–45 days.
Tax & Legal Considerations
Owning property in the U.S. can come with several standard tax obligations, such as those related to rental income or capital gains when property is sold. However, the good news is that the U.S.–UK tax treaty helps simplify things and avoids double taxation, making it easier for British investors to manage their returns.
With the right planning, many costs, like mortgage interest and property expenses, can even be deductible. America Mortgages works with trusted international tax professionals to help clients stay organized, compliant, and confident about their U.S. investments.
Why Work With America Mortgages
For many UK investors, the biggest barrier isn’t finding the right property, it’s securing the right financing. America Mortgages removes that barrier.
What We Offer:
- 100% focus on non-resident U.S. mortgages
- Over 150 programs designed for foreign nationals
- No U.S. credit, tax returns, or residency needed
- Fully digital process from pre-approval to closing
Whether you’re buying a student apartment, a second home, or a long-term rental, we make it easy to invest in U.S. real estate from anywhere in the UK. Get in touch now at [email protected] or call us now +1 (845) 583-0830 to learn more.
Frequently Asked Questions
Q1: Can UK buyers finance California property without a U.S. credit score?
A: Yes. America Mortgages allows UK investors to qualify using international credit and income documentation. You don’t need a U.S. credit history or Social Security number to apply.
Q2: Are there additional fees for foreign buyers purchasing in California?
A: While standard closing costs apply (usually 2–5% of the purchase price), there are no special taxes or penalties for non-resident ownership. With the right structure, costs can be efficiently managed.
Q3: Can UK residents refinance or expand their U.S. property portfolio later?
A: Absolutely. Once you own a property, you can refinance through America Mortgages or leverage your equity to purchase additional U.S. real estate — helping you grow a diversified global portfolio.
