Expat Residential Mortgage

Our standard acceptability


Criteria definition:

Indicates if we can potentially consider residential applications from expatriate applicants.

Policy Notes:

We can accept applications from expatriates from a restricted list of countries, as follows:

Austria, Belgium, Bulgaria, Canada, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hong Kong, Hungary, Ireland, Israel, Italy, Japan, Kingdom of the Netherlands (The Netherlands, Aruba, Curacao, Sint Maarten), Latvia, Liechenstein, Lithuania, Luxembourg, Malta, Malaysia, New Zealand, Norway, Poland, Portugal, Romania, Singapore, Slovak Republic, Slovenia, South Korea, Spain, Sweden, Switzerland, United Kingdom (including UK Crown Dependencies), and United States.

A note for our packager partners
In addition, the Society has agreed a policy through our packager partners for lending to expats in China, India, Monaco, Oman, Kuwait, Qatar, Saudi Arabia, South Africa, and United Arab Emirates on an exceptional basis, but will be subject to an additional requirement:

•The monthly mortgage payments should be made from a UK bank account from where any rental payments are received.
We will also consider applications through our packager partners for lending to expats in China, India, Monaco, Oman, Saudi Arabia and South Africa, subject to stricter requirements including:
•Any deposit monies are paid from or evidenced as held within a UK bank account
•Applicants must be working for recognised large organisations that have a UK presence.

Warning Notes:

Please see the Society's ID requirements for UK expats abroad.

Criteria categories:
  • Applicant
  • customer profile

Last updated:

29 August 2018