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Expat mortgage solutions

We have considerable experience in lending to expats, foreign nationals and clients with income in a foreign currency. Here you will find a summary of our purchase and remortgage products for residential and buy to let cases.

“Expat residential mortgages are inherently complicated, but MHBS were able to take a common sense approach which is very refreshing.”



Which product is right for my client?

To find out if your client qualifies for our simple or complex products, please check the criteria listed here

Our tier one products are suitable for expat clients who meet the following criteria:

  • Income earned in US Dollars, Canadian Dollars, Euros, EU Member state currencies, Swiss Franc, Hong Kong Dollars, Singapore Dollars or Australian Dollars
  • Applicant is employed or a contractor with three years’ trading on a single contract
  • Applicant is paid in a single currency in addition to GBP
  • The security is a house and a single title unit property
  • The property has no planning restrictions and is only in need of light refurbishment

Our tier two products cater for a variety of scenarios including:

  • Employed expats paid in currencies other than those mentioned under the simple section
  • Employed expats paid in multiple currencies
  • Self-employed expats
  • Joint borrower sole proprietor
  • Applicants with gifted deposits
  • Unusual property types, including
    • Listed buildings
    • Large acreage
    • Annexes
    • Multi-units
    • More than one title to charge
    • Flats
  • The property consists of multiple titles
  • The property is in need of larger-scale refurbishment
  • Consent to let

Our standard criteria that applies to all expat products is shown below:

We’re always happy to chat through individual cases, so if you have any questions or want to check if we can consider your case, please give your nearest Specialist Business Development Manager a call.

Experience our first-class service

Each case individually assessed

We manually underwrite with no income multiple limit or credit scoring

Easy-access support

Your Specialist Business Development Manager is available over the phone or via Zoom to help with new cases and keep things running smoothly

Strong commitment

A firm decision for your case will be provided by our daily Credit Committee

Prompt checks

Our case managers will notify you if any information or documents are missing

Personal service throughout

Your named underwriter will provide case updates and will be happy to help with any queries

Don’t take our word for it

We’re delighted that almost all brokers who review us on feefo give us a five-star rating, the highest possible score.
Here are some the things they say about us:

We’re here to help

We’re here to help if you have any questions and are happy to chat through individual cases. All you have to do is pick up the phone to one of our Specialist Business Development Managers.

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