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Expat Owner Occupier mortgages
See all of our expat Owner Occupier Interest-Only mortgage products available for purchase or remortgage.
At Family Building Society we can assist with a mortgage if you are moving home or would like to raise some equity by re mortgaging your existing property.
An expat residential mortgage could be applicable in the below circumstances:
- Where we are using non-Sterling income of the mortgage to be affordable
- Where one spouse lives overseas and the other one lives in the property to be mortgages in the UK
Please be aware that we can only consider these mortgages on the basis of one of our expatriate Interest-Only products. As such we would need to take details of an appropriate repayment vehicle. The minimum property value we would consider is £120,000 in England and Wales.
We have a number of mortgage products available. Take a look at our current range of mortgage products below.
Who can apply?
You can apply if you are aged 18 or over.
How do I apply?
- Step 1 - Start by contacting our New Business Team on 03330 140140 or by using the Call Me Back form. They’ll go over some basic information with you including how much you would like to borrow and what for. They’ll need to know about your income and outgoings to make sure you can afford the mortgage and they’ll check that the mortgage meets our lending criteria.
- Step 2 – After our New Business Team have reviewed your circumstances, you’ll need to then approach a mortgage intermediary who will make the application to us as we are unable to provide advice directly for these type of applications.
- Step 3 – Submit your application along with any supporting documents (there is a list of what’s required on our application form) and the £175 Application Fee. There will be further fees associated with the product selected.
- Step 4 – Once the application has been assessed in due course a valuation will be carried out in due course we will provide you with a Mortgage Offer. A copy of this will also be given to your nominated Solicitor who will contact you with some forms to be completed.
- Step 5 – Once your nominated Solicitor has carried out the necessary searches and received the forms back from you we can arrange to send you the funds to your solicitor (this is called “completion”).
Any questions?
If you have any questions and are unsure what mortgage product would be suitable for you, you can arrange an appointment or speak to a New Business Representative. You can get in touch in the following ways:
Our Expat Owner Occupier mortgage products available
Initial interest rate | Current follow on rate | Overall cost for comparison | Repayment or Interest-Only? | Max % Loan to Value (LTV) | Product fees |
Additional benefits |
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---|---|---|---|---|---|---|---|---|---|---|
7.24% Expat 1.20% Discounted Rate from follow on rate for 2 years (XD0200) |
||||||||||
7.24% | 8.44% |
8.6% |
|
60% | £999~ |
£500 cashback for remortgages^ |
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Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |
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7.74% Expat 0.70% Discounted Rate from follow on rate for 2 years (XD0201) |
||||||||||
7.74% | 8.44% |
8.8 |
|
80% | £999~ | £500 cashback for remortgages^ | ||||
Some key features of this mortgage
See full details for fee details, documents you'll need, and more. |

Comparing two mortgage products
Note that products are subject to additional terms and subject to change. See a product's full details to find out more.