Ex-pat criteria

The maximum loan to value per property for purchases and remortgages is:

• Up to 70% LTV – maximum loan up to £750,000
• Up to 65% LTV – maximum loan up to £1,000,000

Any fees that may be added to the loan are excluded from the LTV calculations, but will be included in the loan amount used in both current and future affordability calculations.

Any fees that will be added to the loan will be included in the loan amount used in both current and future affordability calculations.​

All calculations, regardless of the product selected, will be based on either the current reference rate published on our website, or the product charging rate plus 2%, whichever is the greater. Future affordability will be taken into account for all applications, and therefore may limit the maximum loan amount available. Before submitting an application, please ensure you use our online calculators to check how much we may be able to lend your clients.

The affordability of the application will be assessed as follows:

Applications will be considered for Expatriates, who must hold a current UK passport and are residing outside of the UK in one of the following countries:

Available for single self-contained properties only, with no restrictive covenants in place. The services of a managing agent must be engaged to oversee the property, and details of the agent must be provided prior to completion of the loan. For purchase applications, proof of the source of deposit will be required in all instances.