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
  • Your client must be able to provide satisfactory evidence of identity and hold a UK bank account
  • No minimum income for Buy to Let applications and no portfolio limits
  • Full conditions are available on request

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

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

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


1 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, South Africa and the United Arab Emirates 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

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