Out of sight but not out of mind.

Expat mortgages are available on an Interest-Only basis for both Owner Occupier and Buy to Let, subject to certain conditions.

We're able to lend to UK nationals working abroad, along with UK nationals and foreign nationals working in the UK but paid in a foreign currency.

Mortgages accepted from expats in over 40 countries

We offer Expat mortgages for both Owner Occupier and Buy to Let

Our individual approach to underwriting for expats:

  • Expat mortgages are available on an Interest-Only basis for properties located in England or Wales
  • Available for Owner Occupier and Buy to Let, subject to certain conditions 
  • Your client must be able to provide satisfactory evidence of identity and hold a UK bank account
  • Full conditions are available on request

We can accept applications from Expats working in the following countries:

 Austria Lithuania
 Belgium  Luxembourg
 Bulgaria Malta
 Canada Malaysia
 Cyprus Netherlands2
 Czech Republic New Zealand 
 Denmark Norway
 Estonia Poland
 Finland Portugal
 France1 Romania
 Germany Singapore
 Greece Slovak Republic
 Hong Kong Slovenia
 Hungary South Korea
 Ireland Spain
 Israel Sweden
 Italy Switzerland
 Japan United Arab Emirates
 Latvia United Kingdom 
 Liechtenstein United States of America

 Mayotta, New Caledonia, French Polynesia, Saint Pierre and Miquelon, and Wallis and Futuna
2 Aruba, CuraƧao, St Maarten, Bonaire, Sint Eustatius and Saba
3 UK Crown Dependencies and Gibraltar

A note for our packager partners
In addition, the Society has agreed a policy through our packager partners for lending to expats in Bahrain, China, India, Kuwait, Monaco, Oman, Qatar, Saudi Arabia and South Africa but will be subject to stricter requirements including:

  • UK applicants must have a UK bank account from which the direct debit is set up to pay the mortgage repayments. If this is a Buy to Let application, this must be the same bank account into which the tenant's rental payments are paid.
  • 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

Further information

Please contact our Mortgage Desk for more information.

Criteria search

Owner Occupier lending criteria

Buy to Let lending criteria


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