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 Hing 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:

AustriaIrelandPoland
Belgium 
IsraelPortugal
CanadaItaly
Romania
Cyprus
Japan
Singapore
Czech Republic
LatviaSlovak Republic
Denmark
LiechtensteinSlovenia
Estonia
Lithuania
South Korea
Finland
Luxembourg
Spain
France1
MalaysiaSweden
Germany
MaltaSwitzerland
GibraltarNetherlands2United Kingdom3
GreeceNew ZealandUnited States of America
HungaryNorway


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 Bahrain, Hong Kong,  Kuwait, Oman, Qatar, Saudi Arabia and the United Arab Emirates on an exceptional basis.

We will also consider applications through our packager partners for lending to expats in China 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

Education Hub Image

FIND OUT MORE

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