The UK property market continues to be a strong draw for international investors – and Canadian citizens are increasingly recognising the potential it offers. With cultural ties, a familiar legal system, and favourable exchange opportunities, buying property in the UK from Canada in 2025 is more accessible than ever. Whether you’re looking to diversify your portfolio, secure a rental property, or plan for long-term investment, this guide is tailored to help Canadians navigate the process with confidence.
Why UK Property Appeals to Canadians in 2025
- Commonwealth Connection: As fellow Commonwealth nations, the UK and Canada share legal and property ownership traditions, making the process more straightforward.
- Shared Language & Legal Systems: The similarities in legal and financial structures help Canadian buyers feel more at ease.
- Rental Demand in UK Cities: Cities like Edinburgh, Glasgow, and Manchester continue to see high demand from professionals, students, and young families.
- Global Investment Diversification: The UK property market offers a way to balance exposure outside of North America.
Can Canadians Buy Property in the UK?
Yes! Canadian citizens face no restrictions when purchasing property in the UK. You don’t need to be a UK resident, and owning property does not entitle you to live or work there. However, it’s essential to understand the tax, legal, and financial framework from both sides of the Atlantic.
Your Investment Journey – Step by Step
1. Decide What Type of Property Investor You Are
Are you:
- A buy-to-let investor seeking regular rental income?
- Interested in long-term capital growth?
- Purchasing a second home for occasional use or future relocation? Clarifying your goals will shape your property search and financial planning.
2. Top UK Cities for Canadian Investors in 2025
- Edinburgh: A blend of old-world charm and a contemporary cultural scene. Excellent yields and high tenant demand.
- Glasgow: More affordable than Edinburgh, with major regeneration projects and strong returns.
- Manchester: Young demographic, strong rental yields, and excellent transport links.
- Leeds: Rapid development and consistent tenant demand make it a solid choice.
- London: High entry costs but exceptional global prestige and long-term stability.
3. Understand the Tax Implications
- In the UK: You’ll be liable for Stamp Duty Land Tax (SDLT) or LBTT in Scotland, income tax on rental profits, and possibly Capital Gains Tax when selling.
- In Canada: You must report global rental income to the CRA. However, the Canada-UK tax treaty helps you avoid being taxed twice.
4. Mortgage Options for Canadians
- You can purchase with cash or apply for a mortgage from a UK lender that offers options to international buyers.
- Expect to provide a higher deposit (25–35%) and documentation showing proof of income.
- Mortgage rates may be higher than those available to UK residents.
5. Currency Exchange & Banking
Exchange rates between the Canadian dollar and British pound fluctuate. Consider using a currency specialist to:
- Lock in rates
- Reduce transfer fees
- Ensure funds arrive promptly when needed Setting up a UK bank account can also streamline rent collection and local bill payments.
6. Hire a Trusted Local Team
Managing a property from Canada is entirely possible and stress-free with the right professionals on the ground. You’ll need:
- A solicitor to handle legal aspects
- A letting agent for marketing and tenant management
- A property manager for ongoing maintenance and compliance
How Cox & Co Supports Canadian Investors
At Cox & Co, we specialise in working with overseas buyers, including many from Canada. Based in Edinburgh, our experienced team understands the unique needs of international investors and provides end-to-end services:
- Identifying high-performing properties
- Connecting you with solicitors and mortgage advisors
- Managing tenants and property upkeep
- Offering clear communication across time zones
Our goal is to help Canadian investors make informed, confident decisions and ensure their UK property investment is straightforward and profitable.
Get Started with Confidence
Looking to buy UK property from Canada in 2025? Trust Cox & Co to guide you through every step of the journey. Contact us today for personalised advice and full-service support tailored for Canadian investors.
