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

At Family Building Society we offer a range of expat mortgages in over 40 countries, including most European countries and a number of Gulf States.

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 
  • We lend to UK nationals working abroad with families remaining in the UK and UK nationals working in the UK but paid in a foreign currency
  • We accept applications from British National Overseas passport holders resident in Hong Kong and Singapore
  • Your client must be able to provide satisfactory evidence of identity and hold a UK bank account from which the Direct Debit is set up to pay us the mortgage repayments. For Buy to Let applications, this must be the same bank account into which the tenant's rental payments are paid
  • No minimum income for Buy to Let applications and no portfolio limits
  • Full conditions are available on request.

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

AustriaHungaryNorway
Belgium 
IrelandPoland
CanadaIsrael
Portugal
Cyprus
Italy
Romania
Czech Republic
JapanSingapore
Denmark
LatviaSlovak Republic
Estonia
Liechtenstein
Slovenia
Finland
Lithuania
South Korea
France1
LuxembourgSpain
Germany
MalaysiaSweden
GibraltarMaltaSwitzerland
GreeceNetherlands2United Kingdom3
Hong KongNew Zealand
United States of America


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

Lending through our packager partners

In addition, the Society has agreed a policy through our packager partners for lending to expats in United Arab Emirates, Bahrain, Kuwait, Qatar and Saudi Arabia on an exceptional basis.

We will also consider applications through our packager partners for lending to expats in China, India and Oman subject to the additional requirements below:
  • Any deposit monies are paid from or evidenced as held within a UK bank account
  • Applicants must be working for a recognised large organisation that has a UK presence.

Further information

Contact Us For more information contact your local Business Development Manager or our Mortgage Desk 

Criteria search Owner Occupier lending criteria Buy to Let lending criteria

 

Ready to submit an application?

Owner Occupier mortgage application form

Owner Occupier minimum documents checklist

  

Buy to Let Offset mortgage application form

Buy to Let minimum documents checklist

CLICK HERE

Check out our NEW Education Hub!

Articles | Podcasts | Videos | Webinars

 

Contact your local Business Development Manager for more information

Contact Us

Find out how much your client will be able to borrow

Submit a DIP or Illustration request