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Expat Criteria

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Nationality / ID / Location

Current country of residence


UK Nationals working in a FATF member countries or Confederations, excluding high risk countries.
Acceptable proof of ID and Proof of Residence in current country.


Valid, in-date UK Passport is required for ALL applicants. TML will also attempt to validate all applicants by EID where possible.


The passport copy supplied must be certified by a suitable person e.g. lawyer, legal professional, Embassy, accountant who must certify by signing, and in clear, block capitals, confirm their name, profession, business address and state they have “seen the original” and that it is a “true likeness” of the applicant.


Proof of Current residency is required on all cases. Ideally this should be provided in English or we may require additional evidence (for example an employment reference in English).


1 item dated within the last 3 months.


The local equivalent of the following item showing their full current residential address (not PO Box);

• Bank/building society statement
• Utility bill (excluding mobile phone and catalogue/mail order)
• Credit card statement
• Most recent lender statement
• Equivalent local authority notification of local rates or tax
• A traceable employers reference


These documents must be certified by a suitable person e.g. lawyer, legal professional, Embassy, accountant who must certify by signing, and in clear block capitals, confirm their name, profession, business address and state they have “seen the original” and that it is a “true copy”.


First time landlord / existing BTL’s


First time landlords are not permitted, all Expat applicants must have an existing BTL for 12 months. HMO: Expats must already own a HMO or a MUB and we require evidence of the existing HMO/ MUB properties.