Expat mortgage solutions

Let us work with you to find the right mortgage for your overseas clients.
We specialise in providing mortgages for your expat clients, including those with more complex circumstances or needing bridging finance.

To find out more please talk to your nearest Specialist Lending Manager.

Thanks for visiting our expat page. This range is temporarily unavailable whilst we refresh our expat products, ready to launch with some exciting changes. We’ll update this page with further details.


  • Manual underwriting with applications assessed on a case-by-case basis
  • Bespoke products to allow greater flexibility in more complex cases
  • Many countries and most currencies accepted, including payment in multiple currencies
  • 100% of bonus included when supported by three year history
  • Unusual properties considered
  • No income multiple limit

Key features

  • £200k – £3m loans
  • Up to 75% LTV
  • Competitive pricing tailored to your clients’ needs
  • Fixed and variable rates available
  • Available for first time buyers (including BTL)
  • Holiday lets and AirBnB accepted
  • Day one consent to let available on resi cases including AirBnB
  • Interest only available with no income multiple limits
  • Max age 85 for residential, no age restrictions for let applications


  • BTL for non-UK national living outside UK
  • Second home for foreign national to use in UK
  • Expat purchase of residence for UK-based spouse/family
  • 2nd homes in the UK for overseas emigrants
  • Future home for returning expats

We’ll consider other scenarios too, please talk to your Specialist Lending Manager

Products and criteria

Our products and the rates we can offer are tailored to your clients’ circumstances, with variable and fixed rates available in most circumstances and options for increased overpayment allowances. We treat each case individually. To discuss your clients’ scenario in more detail please contact your nearest Specialist Lending Manager.

Other fees to be paid by your client:

  • Application fee
  • Product fee
  • Valuation fee
  • Legal fees
  • Quantity Surveyor fee (for some development cases)
  • Funds transfer fee

Fees are outlined in the Society’s Tariff of Mortgage Charges.


Applicant criteria
Minimum age 18
Maximum age 85 for residential, no age restrictions for let applicants
Maximum number of applicants Four
Residential status Please see our current list of countries that we can consider
Foreign nationals Foreign nationals considered
Credit impairment We are unable to accept credit impaired applicants


Loan criteria
Amount £200k – £3m
Maximum LTV 75%


Security criteria
Location In England or Wales
Property type We are happy to consider unusual properties, including:

  • Listed buildings
  • Large acreage
  • Properties with an annexe
  • Multi-units
  • Light commercial use

Get in touch

Pricing is tailored to your clients’ individual circumstances. To find out more or discuss a case talk to your nearest Specialist Lending Manager.

Ready to talk?

Experience our first-class, personal service with a dedicated Specialist Lending Manager and named underwriter for your cases.