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.
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:
| Austria | Ireland | Qatar |
| Belgium | Israel | Romania |
| Canada | Italy | Singapore |
| Costa Rica | Japan | Slovak Republic |
| Cyprus | Latvia | Slovenia |
| Czech Republic | Liechtenstein | South Korea |
| Denmark | Lithuania | Spain |
| Estonia | Luxembourg | Sweden |
| Finland | Malaysia | Switzerland |
| France1 | Malta | United Kingdom3 |
| Germany | Netherlands2 | United States of America |
| Gibraltar | New Zealand | |
| Greece | Norway | |
| Hungary | Poland | |
| Iceland | Portugal |
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 and Falkland Islands
Lending through our packager partners
In addition, the Society has agreed a policy through our packager partners for lending to expats in Andorra, Bahrain, Bermuda, Botswana, Hong Kong, Mauritius, Oman, Saint Helena, 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 Antigua, China, Macau, South Africa and Tanzania 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.
Check affordability and start your application
Affordability Calculator Mortgage Hub
Further information
For more information contact your local Business Development Manager or our Mortgage Desk
Criteria checker
Can we help your client? Use our tool to find out.
Simply type your criteria to see our levels of acceptance and flexibility.
Your Local BDM:
Paul Ormonde
Your Local BDM:
Kirsty Dancer
Your Local BDM:
Sam Byrne
Your Local BDM:
Sam Morrison
Your Local BDM:
Neil Cadwallader
Your Local BDM:
Stuart Heavens
Your Local BDM:
Arif Kara
Your Local BDM:
Nathan Waller
Your Local BDM:
Paul Roberts
A new BDM will be covering your area soon. In the meantime, our experienced business support team are on hand to support you with any applications, case updates or any queries you may have.
- 03300 243407
- 01372 745607
- BDR@familybsoc.co.uk
Opening hours: Monday - Friday: 9am - 5.30pm. Saturday: Closed
We may record any telephone calls we have with you in the interest of staff training, monitoring customer service or for security purposes.