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.

Lending to 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:

AustriaIreland
Portugal
Belgium 
Israel
Qatar
CanadaItaly
Romania
Cyprus
Japan
Singapore
Czech Republic
Latvia
Slovak Republic
Denmark
Liechtenstein
Slovenia
Estonia
Lithuania
South Korea
Finland
Luxembourg
Spain
France1
Malaysia
Sweden
Germany
Malta
Switzerland
GibraltarNetherlands2
United Kingdom3
GreeceNew Zealand
United States of America
HungaryNorway

IcelandPoland 


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, Hong Kong, Mauritius, Oman, 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 and South Africa, 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

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

Contact Us Criteria search Owner Occupier lending criteria Buy to Let lending criteria


Check affordability and start your application

Affordability Calculator  Mortgage Hub


Owner Occupier mortgage application form

Owner Occupier minimum documents checklist

  

Buy to Let Offset mortgage application form

Buy to Let minimum documents checklist

LATEST PRODUCT NEWS

  • Enhancements to our Buy to Let affordability and new Buy to Let Expat product

    Updates to BTL affordability and our new BTL Expat product

    18 February 2026
    Alongside the recent launch of our enhanced Family Mortgage, I am also pleased to announce a significant improvement to our Buy to Let affordability assessment resulting in additional borrowing of up to 35%. We have also launched a brand new 2 Year Fixed Rate Expat Buy to Let product at 75% LTV at 4.69% for purchase and remortgage applications.
    Read more

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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.

Find Your Local

Business Development Manager

Your Local BDM:

Kirsty Dancer

Kirsty has vast experience with both simple and complex lending solutions. If you're in the East or West Midlands, please contact Kirsty for help with your clients' mortgages.
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Your Local BDM:

Sam Byrne

Sam focuses around the Northern and Western Home Counties. Contact Sam for help with your clients' mortgages.
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Your Local BDM:

Sam Morrison

Working out of our head office, as our phone-based BDM in Epsom, Sam has a wealth of knowledge regarding our processes and criteria and covers a variety of postcodes across the UK.
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Your Local BDM:

Neil Cadwallader

Neil has over 19 years experience in Financial Services. Neil focuses around South Wales and the West of England area. Contact Neil for help with your clients' mortgages.
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Your Local BDM:

Stuart Heavens

Stuart focuses on the South Coast area. Contact Stuart for help with your clients' mortgages.
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Your Local BDM:

Arif Kara

Arif was previously a mortgage adviser, and focuses on North and West London. Contact Arif for help with your clients' mortgages.
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Your Local BDM:

Nathan Waller

Nathan, previously a mortgage broker, focuses on Cambridgeshire, East Sussex, Essex, Suffolk, Hertfordshire, Bedfordshire, Lincolnshire, Norfolk and Kent. Contact Nathan for help with your clients' mortgages.
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Your Local BDM:

Paul Roberts

Paul has over 30 years' experience and focuses on the North (inc. M62 corridor), Yorkshire and the North East. Contact Paul for help with your clients' mortgages.
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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.

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.

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