Together has announced rate reductions on buy-to-let and commercial term loans for expats and foreign nationals to support growing international investment in the UK.
The specialist lender will reduce rates by up to 1.50% for overseas investors. The move comes in response to rising demand and a surge in foreign-owned buy-to-let companies.
New industry research reveals that one in five new buy-to-let companies established in 2025 were set up by expats and non-UK nationals, up from 13% in 2016. Together’s own lending data mirrors this trend, with between £1 million and £1.5 million lent monthly to foreign investors over the past year.
Traditionally, London has been the key location for overseas investment, but recent years have seen rapid growth across the UK. Foreign ownership has more than doubled since 2016 in areas such as the East and West Midlands and Scotland.
Ryan Etchells, chief commercial officer at Together, said: “We’re proud to be making these rate reductions to further support foreign investment into the UK’s property market. Data shows growing international confidence in UK real estate, despite economic turbulence and constant regulatory changes, and Together is dedicated to encouraging this.
“Foreign capital plays a vital role in easing pressure on the private rental sector, especially at a time when domestic investment is constrained and the UK continues to fall short of its annual homebuilding targets.
“This regional diversification is good news for communities across the UK. It spreads economic activity beyond the capital, supports local jobs, and helps deliver much-needed housing.
“At Together, we specialise in understanding the complex financial profiles often seen with overseas investors, including self-employment and multiple income streams. Our expert team takes a bespoke approach to each customer’s financial situation to make tailored lending decisions.
“Ultimately, foreign investment is not just about property ownership, it demonstrates confidence in the UK’s legal and financial systems, and is a valuable contribution to our struggling housing market.”
