We're experts in expat
We’ve been lending to your expat clients for almost 10 years, offering solutions for those looking to buy residential or buy to let properties here in the UK. But what makes us experts in expat lending? Take a look at some of our criteria to find out…
We’ll accept your first time buyers
We have no requirements for your clients to already own a property here in the UK, so we’ll accept your first time buyers and first time landlords.
No restrictions on how long they’ve lived abroad
We have no restrictions on how long your clients have lived abroad, so whether your client has lived abroad for 5 years or 15, as long as they meet our criteria, we can accept them.
No need for multi-nationals
Your clients don’t have to work for a multi-national corporation to be accepted by us. We’ll even accept those on a fixed term contract if it has been renewed at least once, they meet our income criteria and can provide an employer’s reference.
We accept 16 currencies for residential mortgages
For your residential clients, we’ll accept the Qatari Riyal, Saudi Arabian Riyal, UAE Dirham, Kuwaiti Dinar, Chinese Yuan/Renminbi, Japanese Yen, Euro, Swiss Franc, Norwegian Krone, Danish Krone, Swedish Krona, US Dollar, Canadian Dollar, Hong Kong Dollar, Singapore Dollar and the Bermudian Dollar (if pegged to the US Dollar)
We have no currency restrictions for expat buy to let clients
There are no currency restrictions for your expat buy to let clients, as long as the rental stress is met.
We have a list of acceptable countries
Our criteria pages feature an ‘Acceptable Countries’ section, where we’ll list all the countries we can accept applications from to make it easier for you to place cases with us.
We accept top slicing
For expat buy to let cases, if there is a shortfall in rental income we can top slice your clients income, as long as it is paid in one of our acceptable currencies, to cover the difference.
Seafarers or oil rig workers?
As well as expat clients residing overseas, we can also help your UK applicants who are paid in foreign currencies. Seafarers or oil rig workers, who are exempt from UK tax can also be considered for our expat lending solutions.
Please note: We are unable to accept new applications from any customer residing in the European Economic Area (EEA) which includes the European Union (EU) countries listed below along with Iceland, Liechtenstein and Norway.
Austria, Belgium, Bulgaria, Croatia, Republic of Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain and Sweden.
We will update this information if there is any change to our policy due to the ongoing Brexit discussions.