Expat Criteria

Affordability

140% on Ex-Pat applications.

Interest coverage rate (ICR) test will apply on all cases on an interest only basis. The interest rate used to calculate the ICR test will be:

5 or more years fixed rate products: the initial rate.

All other products: A nominal rate (currently 5.5%) or the initial rate + 2%, whichever is higher.

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Our products are only available through qualified mortgage advisers. Check out our customer site to see how we can help.