We will accept applications from foreign nationals resident in the UK who hold one of the following UK Visas:  

• Health & Care Worker Visa  
• Skilled Worker Visa  
• Tier 2 Visa 
• Dependant's Visa (as a joint applicant) 

There is no requirement for these applicants to have been in the UK for a minimum period, or for applicants to have a minimum term remaining on the visa. 

Visas can either be verified by providing the Share Code (Home Office Service) or with a copy of the visa and accompanying letter. 

All nationalities and countries will be considered but there may be some enhanced due diligence required with the application. This will be clearly outlined when the DIP is approved.

Products are for residential purchase or remortgage only. For foreign nationals we require the customer to be already in the UK. For returning expats, customers may begin an application from overseas but must be in the UK by the time we issue the mortgage offer.

No, at present this product is only for employed applicants.

Yes, they will be able to apply for our standard product switch rates. We won’t have the enhanced rates for product switches.

Within our broker portal, click on 'Specialist Products’ button, then you will be presented with several specialist products (Foreign Nationals, Expats, Professionals).

You will have the option to start a Purchase, Re-mortgage or PMI. 

Within this page, you will find specific application buttons for Foreign National or Expat. 

Note – when inputting overseas addresses, these will need to be input manually. There may be validation errors on screen but you can still proceed with the application. 

Our underwriters will contact brokers at the point of instigating the overseas search.  

Customers will receive an email from our bureau partner, which will be co-branded from The Nottingham. Customers will click on a link to take them to the bureau partner’s portal, following which the customer will need to confirm their identity and pass authentication checks.  

All of this is done online and will vary from country to country depending on individual CRA requirements and types of identify documentation available in specific countries.   

Please note, for security reasons, the customer will have 72 hours to instigate the process.

The deposit must be held in a UK bank account at the time of application. Further verification may be required if the amount and source of deposit is inconsistent with the applicant’s financial profile.

Please only include UK based dependants in the ‘number of dependents’ field in the affordability calculator.  

Any funds sent to overseas dependants should be included as additional expenditure.

The affordability assessment is based on UK income only and we can’t accept any overseas or foreign currency income.  

Evidence of income and additional documentation will be required dependent on the applicant type. An email will be sent by an underwriter when the DIP is approved with a clear list of requirements, and documents should be uploaded to the broker portal. 

You can apply in sole or joint names. If applicant 2 is not working, affordability will be based on applicant 1's income. In the case of a sole application, we would need to consider where the deposit was coming from and applicant 2 may need legal advice regarding the deposit if they were contributing.

Yes, that’s fine, although any funds that are transferred to India for dependant's will need to be included in expenditure.

Where an applicant has not been employed for three months, we are able to consider a case if the applicant has been in the same line of work previously. For example, if they have been employed in healthcare overseas and have moved to the UK to work in healthcare here. In this scenario, we would require evidence of their previous employment.

In this scenario, a DIP can be submitted but we would need to see evidence (such as a pay slip) that the applicant has started their new role with the application.