We’ve listened to your feedback and made some changes to the countries of residence and reduced the ID requirements for expat business. The main changes are:

• Expat applications are now accepted from New Zealand.
• Expat applications are now accepted from China and Malaysia (via our packager partners only).
• Fewer ID requirements are now needed for a majority of countries we cover - helping to speed up the application process.

We will no longer accept cases with applicants resident in Bahrain, Brazil or Mexico.

A reminder of the countries we cover for expats:

• Austria
• Belgium
• Bulgaria
• Canada
• Cyprus
• Czech Republic
• Denmark
• Estonia
• Finland
• France
• Germany
• Greece
• Hong Kong
• Hungary
• Iceland
• Ireland
• Italy
• Japan
• Kingdom of the Netherlands *
• Latvia
• Lithuania
• Luxembourg
• Malta
• New Zealand
• Norway
• Poland
• Portugal
• Romania
• Singapore
• Slovak Republic
• Slovenia
• South Korea
• Spain
• Switzerland
• United Kingdom **
• United States
  
  * The Netherlands, The Netherlands Antilles and Aruba
  ** UK Crown Dependencies

Packager partners

In addition, through our packager partners, we will lend to expats on an exceptional basis in Kuwait, Malaysia, Qatar, Saudi Arabia, United Arab Emirates and India, but will be subject to an additional requirement:

• The monthly mortgage payments to 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 Oman, China and South Africa, subject to:

• The monthly mortgage payments to be made from a UK bank account from where any rental payments are received.
• Deposits 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.

Did you know?

• We're able to lend to UK nationals working abroad with families remaining in the UK.
• We also lend to UK nationals working in the UK but who are paid in a foreign currency.
• Expat mortgages are available on an interest only Buy to Let basis, subject to certain conditions.

If you have any questions or have a case you would like to discuss, please contact our Mortgage Desk or your local Business Development Manager.