Specialist Shariah-Compliant Buy-to-Let Mortgages

Opens up solutions for international buyers and landlords, particularly those from the GCC region (including Kuwait, UAE, Saudi Arabia, Qatar, Oman, and Bahrain), who are looking to purchase or refinance UK properties (excluding Northern Ireland).

Key Benefits for Our Clients

• No UK Credit History Required: Customers do not need a UK credit footprint to be eligible, making the process more accessible for expats and international investors.
• Flexible Lending Options: Finance is available for both residential properties and Buy-to-Let investments, including refinances. The lender supports SPVs and portfolio landlords.
• Competitive Loan-to-Value: Up to 75% LTV.
• Supportive Affordability Criteria:
  • Residential: Facility-to-Income (FTI) ratio of 4.5.
  • Buy-to-Let: Standard rental coverage stress tests apply, with the option for top-slicing using personal income where needed.
• Multinational Support: The team includes Arabic-speaking staff and considers credit reports from the applicant’s previous countries of residence (last six years). Relevant credit bureaus include AECB (UAE), SIMAH (Saudi Arabia), Ci-Net (Kuwait), and others in Qatar, Bahrain, plus Experian/Equifax in the UK.
• Additional Requirement: Applicants will need to open a bank account with the lender as part of the process.

This lender is particularly well-suited for GCC nationals and expats investing in the UK property market. Many are drawn to the UK for its stable economy, strong rental yields in key areas, long-term capital growth potential, and established legal framework for property ownership.

Why This Matters for Buy-to-Let Landlords and Homebuyers
Whether you’re building a portfolio, expanding an existing one, or purchasing a residential home, these options provide flexible, Shariah-compliant routes into the UK market without some of the traditional barriers faced by international clients.

At Cyborg Finance, our role is to make the complex world of mortgages more straightforward and informative. We’ll work with you to understand your specific situation and match you with the right products.

If you’re a Buy-to-Let landlord or homebuyer exploring UK property finance and think this could be relevant, get in touch with our team today. We’ll provide personalised guidance and help you navigate the next steps.