Foreign nationals

Our Foreign National Policy applies to applicants from outside the EU/EEA. The following restrictions apply:

 

ProductLived in UK 0 – 12 monthLived in UK 12 - 24 months (Max LTV)Lived in UK 25 - 60 months (Max LTV)Lived in UK
> 60 months (Max LTV)
Professional Mortgage (permanently employed) Not available Up to 60% LTV Up to 75% LTV Up to 90% LTV
Professional Mortgage (contracts – medical doctors only) Not available Not available Up to 60% LTV Up to 75% LTV
Professional Mortgage (self employed) Not available Not available Not available Up to 75% LTV
Flexible Mortgage (permanently employed) Not available Up to 60% LTV Up to 75% LTV Up to 85% LTV
Flexible Mortgage (self employed or contract) Not available Not available Not available Up to 60% LTV

 We only accept income paid in sterling.

 

Flexible Mortgage foreign national applicants

  • The minimum requirement of 12 months in UK can be evidenced from the following sources, through the Experian bureau data, or from the employment reference.
  • Permanent employment status will be evidenced from the employment reference.

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Scottish Widows Limited. Registered in England and Wales No. 3196171. Registered office in the United Kingdom at 25 Gresham Street, London EC2V 7HN. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register number 181655.

Scottish Widows Unit Trust Managers Limited. Registered in England and Wales No. 1629925. Registered Office in the United Kingdom at Charlton Place, Andover, Hampshire SP10 1RE. Tel: 0345 300 2244. Authorised and regulated by the Financial Conduct Authority. Financial Services Register number 122129.

HBOS Investment Fund Managers Limited, registered in England number 941082. Registered office in the United Kingdom at Trinity Road, Halifax, West Yorkshire HX1 2RG. Authorised and regulated by the Financial Conduct Authority. Financial Services Register number 119223.

Scottish Widows Bank is a trading name of Lloyds Bank plc. Registered office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales, no. 2065. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under number 119278.

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