Expat Criteria

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Purchase and remortgage.


Remortgages within 6 months of purchase can be considered. Please contact The Hub for more information.

Repayment method

Capital and interest. Interest only. Part & part.

Minimum loan


Maximum loan



Our loans are not portable.

Offer validity

3 months. New build offers will be valid for 6 months.


Funds are expected to be in the UK.

Acceptable deposits

Individual savings. Limited Company/LLP reserves or working capital. Sale of property or pending sales. Sale of shares or investment. Inheritance. Equity from another property.

Evidence must be in English.

Vendor/Builder gifted deposit

New build properties can have up to 5% builder gifted deposit. Converted properties up to 5% considered on a case by case basis.

Gifted deposit

All gifted deposits must be disclosed and are subject to a gift letter from deposit provider, identification and evidence of funds.

Gifted deposits must be from a UK donor source and held in a UK bank account.

Family gifted equity

Up to a maximum 75% LTV and satisfaction that the transaction does not constitute Consumer BTL.
Gifted deposits must be from a UK donor source.