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

Our individual approach to underwriting for expats:

  • 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 with families remaining in the UK.
  • We also lend to UK nationals working in the UK but who are paid in a foreign currency.
  • Your client must be able to provide satisfactory evidence of identity, proof of income and hold a UK bank account. Applications may be subject to an increased product fee. Minimum loan amount: £100,000.

We can accept applications from expatriates from a restricted list of countries, as follows:

Austria

Denmark

Hungary

Kingdom of the Netherlands1

Norway

Slovenia

United States

Belguim

Estonia

Hong Kong

Latvia

Poland

South Korea

 

Bulgaria

Finland

Iceland

Lithuania

Portugal

Spain

 

Canada

France

Ireland

Luxembourg

Romania

Sweden

 

Cyprus

Germany

Italy

Malta

Singapore

Switzerland

 

Czech Republic

Greece

Japan

New Zealand

Slovak Republic

United Kingdom2

 

1 The Netherlands, the Netherlands Antilles and Aruba
2 UK Crown Dependencies


Further information

Expat Mortgages Information Summary

Owner occupier lending criteria

Buy to Let lending criteria

 

Ready to submit an application?

For Expat applications the product fee charged will be the standard product fee or large loan fee (whichever is higher) plus 1.25%.

Owner Occupier mortgage application form

Buy to Let Offset Mortgage application form

Owner occupier minimum documents required checklist

Buy to Let minimum document required checklist