We understand the unique challenges you face, from visa types to overseas income, and we know which lenders are open to your circumstances. We focus on your story, not just your paperwork. If you’re moving to the UK to work or live, finding somewhere to call home is a priority. While renting is an option, buying a property can make more sense if you plan to stay long-term. However, securing a mortgage as a non-UK citizen isn’t always straightforward. For newcomers to the UK, meeting these criteria can feel challenging.

Whether you’re on a Skilled Worker Visa, Spouse Visa, or just starting your UK journey, Arun Financial Services will help you:

Find the right lender

Secure the right mortgage deal

Navigate the process with confidence

Own your future. Build your legacy. Welcome home.

Start Your Journey with Arun Financial Services . Book your Consultation Today

Buying a home in the UK isn’t just about a mortgage — it’s about creating roots, securing your future, and building a legacy for your family. And you don’t have to do it alone.

Arun Financial Services is here to make it possible, step by step

Your home. Your security. Your future.

Many foreign nationals believe they need Indefinite Leave to Remain, a large deposit, or years of UK credit history to get a mortgage. That’s a common myth.

As specialist UK mortgage brokers, Arun Financial Services has helped hundreds of international professionals, families, and newcomers buy homes — often sooner than they expected.

Your Home Buying Journey

Step 1: Let’s Get Started

We’ll start with a friendly chat to understand your goals and put together a plan.
We’ll look at what you can afford, go through your options, and share useful tips to get you ready to buy with confidence.

Step 2: Getting Mortgage Ready

Next, we’ll help you get an Agreement in Principle (AIP) — a document that shows how much you can borrow and proves to sellers that you’re serious about buying.
We’ll also help you plan for extra costs like surveys, solicitor fees, and moving expenses so there are no surprises later.

Step 3: Find and Make an Offer

Now comes the exciting part — house hunting!
Once you’ve found a property you love, we’ll guide you on how to make an offer and support you through the process with estate agents.

Step 4: Offer Accepted – Great News!

When your offer is accepted, we’ll get to work on your full mortgage application.
We’ll double-check your details, compare the best deals available, and recommend the one that suits you best.
We’ll also discuss how to protect your mortgage, income, and family — so you’re covered if the unexpected happens.

Step 5: Sorting the Legal Side

You’ll need a solicitor to handle the legal process of buying your home.
We’ll help you choose a trusted one and keep things moving smoothly between you, your solicitor, and the lender.

Step 6: Property Checks and Valuation

Your lender will carry out a valuation to confirm the property’s worth.
You can also choose to do your own survey to check for any hidden issues — and we can help connect you with local surveyors if needed.

Step 7: Your Mortgage Offer Arrives

Once everything’s checked and approved, you’ll get your official Mortgage Offer — a major milestone!
Your solicitor will receive a copy too, so you’re both ready to move forward.

Step 8: Getting Ready to Exchange

This stage is all about progress and paperwork — things like searches, contracts, and final checks.
We’ll help make sure everything stays on track and everyone’s communicating clearly until exchange and completion.

Step 9: Moving Day!

Time to celebrate — you’re officially a homeowner!
Once your solicitor confirms completion, you’ll get your keys and can move in.
Don’t forget to pop some bubbly and enjoy your new space!

Ready to Begin?

Let’s make your home-buying journey smooth and simple from start to finish.

We’ll handle the details — you focus on finding the place you love.

At Arun Financial Services, we make getting a mortgage simple, stress-free, and personal. Whether you’re buying your first home, moving, or remortgaging — we’re here to guide you through every step with clear advice and honest support.

Customer Reviews

See what our clients say about us and their experiences.

As immigrants and first-time buyers, we had countless questions and concerns about eligibility and the steps involved. His expertise, enthusiasm, and genuine care made the entire experience smooth and stress-free. He didn’t just help us secure the right mortgage; he ensured we felt confident and informed at every step. He also guided us on additional insurance, ensuring our new chapter began on solid ground. His dedication was remarkable - whether it was late in the evening or early in the morning, he was always reachable, always ready to help, and always willing to go the extra mile.

Mr D & Mrs A

03/12/2025

I’d also like to take a moment to specifically acknowledge Subu Arun, our mortgage advisor, who has been exceptional in guiding us through the application. His professionalism, patience, and support made the entire experience smooth and stress-free. Please do pass on our sincere gratitude to him—he’s been a tremendous help!

Mr R

28/03/2025

★★★★★

★★★★★

Our Location

Serving Nottingham and the UK with expert mortgage and protection advice tailored to your financial needs.

Nottingham

173 Squires Ave, Bulwell

Hours

9 AM - 5 PM