Can I buy a home in the UK as a newcomer?
Yes — anyone can buy a home in the UK, whether or not they're a citizen. You'll pay Stamp Duty on properties over the threshold, and non-residents pay an extra 2% Stamp D...
What you need to know
Yes — anyone can buy a home in the UK, whether or not they're a citizen. You'll pay Stamp Duty on properties over the threshold, and non-residents pay an extra 2% Stamp Duty surcharge. You'll usually need a mortgage (or cash) and a conveyancing solicitor to legally transfer ownership.
Last reviewed as part of the UKRoute answer bank — always check the official links below before acting.
What to do, step by step
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1
Check your budget — the mortgage affordability calculator shows what you might borrow.
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2
Get an Agreement in Principle (AIP) from a lender so you can make offers.
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3
Hire a conveyancer and make sure the property has a good "solicitor's pack" (searches, title, certificate).
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4
Complete a survey before you exchange contracts.
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5
Pay your deposit, exchange, then complete — Stamp Duty is due to HMRC within 14 days of completion.
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