Here’s Everything You Need to Know If You’re an International Buyer
Dreaming of owning a cosy cottage or elegant country retreat in the Cotswolds? You’re not alone. With its postcard-worthy villages, rolling green hills, and golden-hued stone homes, the Cotswolds has long captured the hearts of international buyers looking for something truly special in the English countryside.
Whether you’re considering a second home, a holiday let investment, or planning a more permanent move, this guide will walk you through what to expect—and how we can help make the process smooth and enjoyable.
Why the Cotswolds?
The Cotswolds is officially an Area of Outstanding Natural Beauty (AONB), and once you visit, it’s easy to see why. Spanning counties like Gloucestershire, Oxfordshire, and Wiltshire, this region offers:
- Charming villages like Stow-on-the-Wold, Burford, Broadway, and Chipping Campden
- Excellent links to London, with under 2 hours by car or train
- A vibrant food and culture scene—think farmers’ markets, boutique inns, and arts festivals
- A resilient property market, known for holding its value even through economic ups and downs
Whether your heart’s set on a Cotswold stone cottage, a grand manor house, or a sleek new-build, there’s something here to match your vision—and your investment goals.
For Our Overseas Buyers: What to Expect
Buying property in the UK is very possible as an international buyer—but it does come with some extra steps. Here’s what you need to know:
1. The Legal Bits
There are no restrictions on foreign ownership, but you will need a UK-based solicitor to guide you through:
- Stamp Duty Land Tax (SDLT) – Additional rates apply to second homes and non-UK residents
- ID and anti-money laundering checks (standard procedure here)
- Extra attention if buying a listed property, which is common in the Cotswolds and comes with rules around renovations
2. Mortgage and Finance Options
Getting a mortgage without a UK credit history can seem tricky—but that’s where we come in. We work closely with brokers who specialise in helping international buyers access:
- Interest-only or buy-to-let mortgages
- Foreign currency lending
- High loan-to-value options—even with limited UK financial history
👉 Real example: One of our international clients, the Peeler family, secured a buy-to-let mortgage on a £650,000 holiday home in the South Cotswolds—despite having no UK credit or local income. We connected them with a trusted broker who structured a great deal tailored to their situation.
3. Tax & Estate Planning
UK tax can get complex, so we always recommend working with local experts. We can introduce you to advisors who’ll help you navigate:
Ownership structures (like trusts or companies) to suit your long-term plans
Inheritance tax
Capital gains tax
Where Should You Look?
There’s no shortage of gorgeous places to buy in the Cotswolds, but here are a few favourites among our international clients:
- Stow-on-the-Wold – Antique shops, cafés, and historic charm
- Chipping Campden – Quintessential English beauty and heritage homes
- Burford – A big hit with Londoners looking for second homes
- Tetbury – Royal links and lovely Georgian townhouses
- Broadway – Upscale, arty, and effortlessly elegant
Each of these towns offers something different—whether you’re after peace and quiet, vibrant community life, or a smart investment opportunity.
Considering a Buy-to-Let?
The region is also a hot spot for holiday let investments, thanks to year-round tourism and staycation demand. A well-positioned property can generate strong rental yields and consistent occupancy, especially near tourist attractions, wedding venues, and scenic trails.
How We Help
Thanks to a strong tourist market and the UK’s love of countryside getaways, the Cotswolds is also a top choice for holiday lets. With the right property (and good local advice), it’s possible to enjoy healthy rental returns and high occupancy—especially if you’re near walking trails, wedding venues, or historic attractions.
How We Can Help
We’re a boutique property search agency specialising in helping international clients buy property in the Cotswolds. Whether you’re in London, New York, Dubai—or anywhere in between—we’ll be your trusted eyes and ears on the ground.
Here’s what we offer:
- Personalised property searches
- Viewings on your behalf
- Coordination with legal, tax, and mortgage professionals
- Support every step of the way—from first enquiry to final purchase
No stress. No surprises. Just expert guidance, tailored to your needs.
Let’s Talk
Buying a property in the Cotswolds should be exciting—not overwhelming. With the right team by your side, it absolutely can be.
If you’re ready to explore what’s possible, we’d love to help you find your perfect home or investment in the Cotswolds.
Get in touch today—we’d be delighted to hear about your plans.
T: 01242 805156 | E: hello@propertysearchco.com