Comprar un inmueble en Reino Unido siendo ciudadano Indian

Indian citizens can buy UK freehold or leasehold with no nationality bar. The cost driver is SDLT (Stamp Duty Land Tax): the standard residential rates, PLUS a 5% additional-property surcharge if you own any other property worldwide, PLUS a 2% non-resident surcharge. For a £600,000 second home a non-resident can pay well over £50,000 in SDLT — model the exact figure before offering, as it materially changes the budget.

The UK abolished the remittance-basis 'non-dom' regime on 6 April 2025, replacing it with a residence-based Foreign Income and Gains (FIG) system: new arrivals get 4 years of relief on foreign income/gains, after which worldwide income is taxed. For an NRI buyer who later becomes UK-resident, this changes the long-term tax planning substantially — the old 'non-dom' structures no longer apply.

Under the RBI's Liberalised Remittance Scheme (LRS), a resident Indian can remit up to US$250,000 per financial year for permitted capital transactions including overseas property. A couple can pool two limits. Remittances above ₹700,000 in a year attract TCS (Tax Collected at Source, 20% on the amount above the threshold for most purposes), creditable against your Indian tax. Large UK purchases therefore often span two financial years or use existing offshore funds — plan the funding path early with your AD bank.

UK lenders do offer non-resident and expat mortgages (HSBC Expat, Barclays International and specialist brokers), but expect 25-40% deposits, rates above resident levels, and detailed income proof. Income in rupees is accepted by some international desks but underwritten conservatively. A UK bank account and a credit footprint help; a specialist broker is usually worth it for non-resident cases.

UK rental income is taxed in the UK regardless of your residence. Non-resident landlords fall under the Non-resident Landlord Scheme (NRLS): without HMRC approval the letting agent or tenant must withhold 20% tax from rent, so register with HMRC to receive rent gross and file a Self Assessment return. The India-UK double-tax treaty gives relief so the same income isn't taxed twice.

Move funds through your AD (authorised dealer) bank under LRS with the A2 form and PAN, or use a regulated FX broker for better rates than a bank telegraphic transfer. Time the remittance against the LRS year-end (31 March) and TCS thresholds. For a multi-hundred-thousand-pound purchase, fixing the INR→GBP rate with a forward once the price is agreed removes exchange risk before completion.