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Home / Iranian Buyers
For Iranian buyers & investors
UK mortgage help for Iranian buyers.
Yes — Iranian nationals can buy property and get a mortgage in the UK. There is no legal restriction on foreign nationals owning UK property. The difficulty is not the law, it is proving where your money came from. 23rd Homes helps Iranian buyers through that process, in Farsi or English.
Told a UK mortgage isn’t possible?
We assess your eligibility, prepare your documents, introduce FCA-authorised money transfer firms for your deposit, and help you find mortgage options with competitive rates when other brokers have said no.
Free
15-min first call
FCA-authorised
Brokers & transfer partners
Documents
Prepared with you
EN · فارسی
Both languages
خدمات مشاوره املاک برای ایرانیان در بریتانیا
اگر ایرانی هستید و قصد خرید ملک در بریتانیا را دارید، ما در کنار شما هستیم. 23rd Homes یک شرکت مشاوره سرمایه‌گذاری املاک در ساری و لندن است. ما ملک را بررسی می‌کنیم، قیمت را مذاکره می‌کنیم و شما را به مشاور وام مسکن (مورگیج بروکر)، وکیل و کارشناس ساختمان معتبر معرفی می‌کنیم. مشاوره اولیه رایگان است.
The challenge
Why UK lenders often decline Iranian applicants.
It is rarely about you personally. It is usually about how your application looks to a lender’s system. Understanding the exact reason is the first step to fixing it.
01
02
Funds held in Iran
Deposits coming from Iran trigger extra checks, and many lenders and banks prefer to avoid them.
03
Source-of-funds checks
Lenders must be able to trace where your deposit came from. Clear, complete paperwork makes all the difference.
04
Residency & visa status
Your nationality and immigration status affect which lenders will consider you — and most brokers do not know which ones do.
What we do
From “not possible” to a clear plan.
We prepare your case and coordinate the specialist, FCA-authorised partners who handle each step — so you have one point of contact from first call to completion.
01
Eligibility assessment
After your free call we review your income, deposit, residency and documents, and tell you honestly whether a route exists and what it would take.
02
Documents & source of funds
We guide you on what lenders and regulators need to see, and help you organise your evidence so it is clear and complete.
03
Transfer money from Iran to the UK
Introductions to FCA-authorised money transfer companies, with the paperwork prepared in advance, to reduce risk and delay.
04
Specialist mortgage brokers
Introductions to FCA-authorised brokers who work with complex cases, aiming for competitive rates even where other brokers have said no.
How it works
Four steps to find out where you stand.
01
Fill in the form
Two minutes. Tell us your situation, in English or Persian.
02
Free 15-minute call
We talk through your goals, deposit and what has happened so far.
03
Eligibility assessment
We tell you clearly whether you are eligible and what the route looks like.
04
Plan & introductions
We prepare your documents and introduce the right FCA-authorised partners.
Who it is for
This may be for you if…
You do not need to be sure. The free call is how we find out.
- You are an Iranian national, in Iran or abroad, wanting to buy property in the UK
- Your deposit is in Iran or came from Iran
- A bank or broker has told you a mortgage is not possible
- You live in the UK but have little or no UK credit history
- You want a clear answer before spending money on valuations or legal fees
Looking for a Farsi-speaking mortgage broker?
23rd Homes is a property consultancy. We work in Farsi and English, and as part of the service we introduce you to Farsi-friendly mortgage brokers, solicitors and surveyors. These are independent, FCA-authorised or regulated professionals who provide their own services, so you can explain your situation in the language you are most comfortable with. Read our mortgage guide for Iranian nationals.
Buying from outside the UK
You do not need to live in the UK to own property here. Buyers based abroad usually have fewer lender options and a larger deposit to plan for, and a Stamp Duty surcharge applies for non-UK residents. We help you prepare your documents, introduce FCA-authorised money transfer firms and brokers, and coordinate the process remotely. See the step-by-step buying guide.
Buying as an Iranian national already living in the UK
If you already live in the UK, lenders will look at your visa or residency status, how long you have lived here, your income and your credit history. Deposits are often lower than for buyers overseas, but evidence of where your deposit came from still matters. We review your position on a free call and introduce brokers who regularly work with these applications. See how lenders assess Iranian applicants.
Guides
Read before you apply.
Detailed, plain-English guides on mortgages, transferring money, source of funds and the buying process. Each has a short Persian summary.
Mortgages
Can an Iranian National Get a UK Mortgage?
How lenders assess Iranian applicants, deposits, documents and how to improve your chances.
Transferring funds
How to Transfer Money from Iran to the UK
A compliance-first guide to moving a property deposit with regulated providers.
Documents
Source of Funds for a UK Mortgage
Exactly what to prepare for salary, business, property-sale and gifted deposits.
Guides
Guides for Iranian buyers
- Can an Iranian National Get a UK Mortgage? The Complete Guide
- How to Transfer Money from Iran to the UK for a Property Deposit
- Source of Funds for a UK Mortgage: What Iranian Buyers Need to Prove
- Why UK Lenders Decline Iranian Applicants, and What You Can Do About It
- UK Mortgage Deposits and Stamp Duty for Iranian Buyers: Real Costs Explained
- Buying Property in the UK as an Iranian National: A Step-by-Step Guide
- Buy-to-Let and Limited Company Mortgages for Iranian Investors in the UK
Questions
Things people ask us.
Do I pay for the first call?
No. The first 15-minute call is free and carries no obligation.
How does transferring money from Iran to the UK work?
You use an FCA-authorised money transfer company that we introduce. We prepare your documentation in advance so the transfer is well evidenced and as smooth as possible.
What documents will I need?
Typically ID, proof of income, bank statements and evidence of where your deposit came from. We tell you exactly what applies to you on the call.
Can the call be in Persian?
Yes. Choose your preferred language in the form and we will call you in it.
FAQ
Iranian buyers: your questions answered.
Can an Iranian national get a UK mortgage?
Yes, it can be possible. Lenders look closely at residency, income, deposit and evidence of where your funds came from, and some are more open to Iranian applicants than others. We help you prepare and introduce brokers who work with these cases. Read the guide →
Do I need to live in the UK to buy a UK property?
No. There is no legal requirement to live in the UK to own property here. Buying from abroad usually means fewer lender options and a larger deposit, and a 2% Stamp Duty surcharge applies for non-UK residents. Read the guide →
How do I prove source of funds if my savings are in Iran?
You show a clear paper trail: bank statements, evidence of income or the sale of an asset, and documents explaining how the money built up. We help you organise these before any lender or solicitor asks for them. Read the guide →
Can I transfer money from Iran for a UK deposit?
It can be done through FCA-authorised money transfer firms, with the right documents prepared in advance. We introduce providers experienced with these transfers, and we do not move funds ourselves. Read the guide →
How much deposit will I need?
It depends on the lender and your residency. As a guide, UK-resident foreign nationals often need around 15% and non-residents often need 25% or more. We give you a realistic figure after the free call. Read the guide →
Can I buy through a UK limited company?
Yes. Many investors buy buy-to-let property through a limited company, and specialist lenders offer mortgages for them. The right structure depends on your plans, so we introduce you to a tax adviser and broker to confirm it. Read the guide →
Do you speak Farsi?
Yes. We work in Farsi and English, and you can choose either language for your free 15-minute call. Request your free call →
Get started
Book your free 15-minute call.
Fill in the form and we will contact you within one working day to arrange a time. Then we assess whether you are eligible.
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Free, 15 minutes, no obligation◎
A clear assessment of your eligibility✉
Prefer email? info@23rdhomes.com