Foreign nationals

Citizens of the European Economic Area (EEA) with Full Working Rights

The citizens of the following countries fall into this category:

Austria 
Belgium 
Bulgaria
Croatia
Cyprus 
Czech Republic 
Denmark 
Estonia 
Finland 
France 
Germany 
Greece
Hungary 
Iceland* 
Ireland 
Italy 
Latvia 
Liechtenstein* 
Lithuania 
Luxembourg 
Malta 
Netherlands
Norway* 
Poland 
Portugal 
Romania 
Slovakia 
Slovenia 
Spain 
Sweden 
Switzerland* 
United Kingdom

* These countries are not members of the European Union (EU). However the European Economic Area Agreement granted nationals of these countries the same rights to enter, live and work in the United Kingdom as EU citizens.

 

You don't need to confirm the customer's right to work in the UK or a 12 month employment history, and can rely solely on the result of the credit score.

 

Non EU States

We can proceed if the applicant has permanent rights to reside in the UK which must be evidenced by one of the following documents:

  • A Biometric Residence Permit showing ‘indefinite’ rights to remain (also known as permanent residence).
  • Indefinite/Right of Abode UK Residency stamp in the passport.
  • A letter from the Home Office confirming the applicant's 'indefinite' right to remain in the UK.

 

Enhanced Due Diligence

  • Where an applicant’s nationality is of a sanctioned country we will complete Enhanced Due Diligence checks as part of the application process. This will include verification of evidence to confirm the source of deposit for the mortgage.

Unacceptable Categories

Applications are not acceptable from:

  • Students
  • Persons with a working holiday visa
  • Applicants with Diplomatic immunity.

 

Refugees

Refugees/asylum seekers must have indefinite leave to remain (also known as permanent residence). Documentation required to verify this consists of a Biometric Residence Permit or a letter from the Immigration and Nationality Directorate (IND) advising the customer that this permission has been granted.