International Home Loan 2025: Buy Property in US & UK
International home loans in 2025 are highly demanded as more expats and global investors look to buy properties in the United States and the United Kingdom. These loans are designed to help foreign nationals, NRIs, and expats invest in residential or commercial property abroad with easier financing options.
Why Consider International Home Loans?
- Access property in global real estate markets like US & UK.
- Competitive interest rates with flexible repayment terms.
- Eligibility for both residents and non-resident Indians (NRIs).
- Helps diversify investments internationally.
- Special schemes for students, professionals, and investors abroad.
Top 10 Banks & Institutions for International Home Loans 2025
1. HSBC Global
Trusted for cross-border mortgages.
Benefit: Available for multiple countries.
2. Barclays UK
Expat-friendly mortgage packages.
Benefit: Flexible repayment for overseas buyers.
3. Lloyds Bank UK
International property loans.
Benefit: Suitable for NRIs and expats.
4. Citibank USA
Global expat mortgage solutions.
Benefit: High-value property financing.
5. Bank of America
Special home loan options for foreigners.
Benefit: Lower interest for expats.
6. HDFC NRI Loans
Loans for Indians buying abroad.
Benefit: Competitive INR & USD linked schemes.
7. ICIC International Loans
Supports US & UK property purchase.
Benefit: Quick online approval.
8. Standard Chartered
Strong presence in both UK & Asia.
Benefit: Seamless expat property financing.
9. SBI Global Home Loan
For NRIs buying in India or abroad.
Benefit: Low processing fees.
10. JP Morgan Chase
Premium US mortgage loans.
Benefit: Best for high-value global clients.
Eligibility Criteria
- Age: 21 to 65 years.
- Proof of income (salary slips, tax returns).
- Residency/visa proof for US or UK.
- Valid passport and credit report.
- Property documents as per host country regulations.
Documents Required
- Passport & valid visa.
- Proof of residence (US/UK).
- Income proof (salary slips, employment contract).
- Tax returns and bank statements.
- Property purchase agreement.
FAQs on International Home Loans 2025
Q1. Can foreigners buy property in the US & UK?
Yes, both countries allow foreign buyers with legal loan options.
Q2. Do I need a high credit score?
Yes, a good credit score increases approval chances and reduces interest rates.
Q3. Can NRIs get loans for property abroad?
Yes, banks like SBI, ICIC, and HDFC offer NRI property loans.
Q4. What’s the loan tenure?
Typically 10–30 years depending on the country and bank.
Q5. Is down payment required?
Yes, usually 20–30% of the property value is required as down payment.