🇬🇧 For NRIs based in the UK · P60 accepted · Remote process

NRI Home Loan for UK Residents

Can an NRI in the UK get a home loan in India? Yes — for property you want to buy, one that's under construction, or to refinance an existing loan, processed remotely from the UK with digital KYC and Power of Attorney support, across 24+ banks and NBFCs.

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WHY UK-BASED NRIS COME TO US

Built around how you actually document income in the UK

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P60 accepted

Your standard UK tax summary works as income proof

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Skilled Worker, ILR & more

Most UK visa categories qualify with stable income

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Remote Power of Attorney

Notarized and attested via the Indian High Commission — no flight required

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UK time-zone support

Advisors available in your working hours, not just IST

GBP 2,500–4,000

Typical minimum monthly income for an NRI home loan from the UK, varying by lender and loan amount requested.

A note on double taxation

If you earn rental income from your Indian property, the India-UK Double Taxation Avoidance Agreement (DTAA) may help you avoid being taxed on that income twice — once in India, once in the UK. Interest paid on your NRI home loan is deductible against rental income under Section 24(b) on the Indian side. This is a genuine cross-border tax matter — worth a conversation with a tax advisor familiar with both jurisdictions, not something to assume from a website.

ELIGIBILITY

Who can apply, from the UK

Criteria	Typical Requirement
Status	NRI, PIO, or OCI cardholder residing in the UK
Age	21–60 years at application, subject to age at loan maturity
Minimum income	Approx. GBP 2,500–4,000/month, varies by lender
Employment	Salaried (2+ years current employment) or self-employed (3+ years)
Co-applicant	Often preferred — commonly an Indian resident relative
Repayment account	NRE, NRO, or FCNR account in your name

RATES

Compare rates across our panel

Rates for UK-based NRIs are generally the same as our standard panel rates — see the full lender-by-lender breakdown.

View Full Comparison →

PROCESS

How it works, from the UK

Share your details

Income, employer, visa status, and property information.

We match lenders

Matched against our panel, factoring in your specific income and employer profile.

Remote documentation

Digital KYC, with Power of Attorney notarized and attested through the Indian High Commission in the UK.

Disbursal

Single payout for purchase, or milestone-linked for under-construction property.

DOCUMENTS

What you'll need, from the UK

UK Residency & Identity

Passport with valid UK visa or Biometric Residence Permit
PAN card (or Form 60)
UK address proof (utility bill or tenancy agreement)

Income & Employment

Last 2 years' P60 (End of Year tax certificate)
Last 3 months' payslips
Employment contract or employer letter
UK bank statements (last 6 months)

Property

Sale agreement or builder-buyer agreement
Property title documents
RERA registration, for under-construction property

Authorization

Power of Attorney, notarized and attested via the Indian High Commission in the UK
Co-applicant's documents, if applicable

BY STATE / CITY

NRI home loan pages for specific places in UK

London →

EXPLORE BY PRODUCT

Beyond a purchase loan

Loan Against Property → Balance Transfer → Home Loan Top-up → Personal Loans →

FAQ

Questions UK-based NRIs ask us

Can I get a home loan without visiting India? +

Yes. Most lenders accept a notarized Power of Attorney (attested via the Indian High Commission in the UK) along with digital or video KYC, so the process can be completed remotely, with physical presence typically needed only at final registration in some cases.

What's the minimum income required from the UK? +

It varies by lender — commonly cited figures range from roughly GBP 2,500 to GBP 4,000 per month depending on the bank or NBFC and the loan amount requested.

Can I use my P60 as income proof? +

Yes. A P60 (UK End of Year Certificate) is standard, widely-accepted income proof for NRI home loan applications from the UK, alongside recent payslips and bank statements.

Can I claim tax relief in the UK under the India-UK DTAA? +

UK-based NRIs earning rental income from Indian property may be able to claim relief under the India-UK Double Taxation Avoidance Agreement (DTAA), avoiding being taxed twice on the same income. Consult a qualified tax advisor familiar with both jurisdictions for your specific situation.

Talk to an advisor who understands UK-based NRIs

Free eligibility check. No obligation. Response within one business day, UK time.

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