The Society will consider Ex-Pat mortgages on the following basis:

• Applicants must be UK citizens who are temporarily resident abroad. Foreign Nationals will not be consider living aboard
• If the applicant spends more than 183 days outside the UK, then they must be placed on an Ex-Pat product
• Must have found on a UK Credit Search

• If the applicant lives/works outside the UK and receive full or partial income in a foreign currency
• If an applicant is paid in foreign currency, the exchange rate that will be applied is that at lowest point over the last three years from the date of assessment
• The Society can accept income from one foreign currency per application plus income derived in GBP
• All supporting documents must be translated into English before submission
• The applicant will need to provide confirmation of last 3 years address history

• For residential properties, it must be the applicant’s intention to return to the UK with this property being their main residence or their immediate family must reside in the property
• Lending can only be secured upon property in England and Wales. 
• Mortgage payments must be paid via direct debit from a UK bank account
• If the applicant is living in the UK but paid in a foreign currency, then this can be on a standard product