Non-residents and expats
Banking for those living abroad
If you are a UK national living or working overseas, managing your finances across borders can feel complicated. Our Non-Resident Service makes things simple and intuitive.
We can support you with private day-to-day banking including foreign exchange services, cash management, deposits, loans and mortgages, as well as multi-currency bank accounts and short and long-term lending with flexible access. There’s no charge or commission when you use your debit card abroad either.
Cross-border tax rules can be complex and frequently change. If you need us to, we will work closely with your existing tax advisers to make sure your finances remain compliant and aligned with your long-term plans.
As always, you will have direct access to your own private banker, someone who understands your circumstances and is on hand to give you guidance whenever you need it.
Mortgages and buying property in the UK
Buying a property in the UK while living overseas can bring added complexity. We can support you with mortgages and advice that bring clarity and confidence at every stage.
When assessing mortgage and lending proposals, we take the full picture into account, including any assets and income you may have in both the UK and abroad. Our lending reflects two values that sit at the heart of our service: flexibility and dependability. Where other lenders may follow rigid formulas, we take the time to understand your circumstances and find a solution that’s right for you.
We typically offer:
- Mortgage and loan facilities between £500,000 to £5 million
- Loan-to-value ratio of up to 65%, with interest only options available for up to five years
We can also introduce you to property partners we know and trust to help you find and secure your ideal home in the UK.
We know that borrowing, especially from abroad, can feel stressful. That’s why we work hard to give you clear options and keep you informed throughout. We see ourselves as more than just advisers but your partner in every decision – and we’re with you all the way.
What you need to know
Any property used as security, which may include your home, may be repossessed if you do not keep up repayments on your mortgage or loan. Changes in the exchange rate may increase the sterling equivalent of your debt.
You must be 18 years or above to apply for a mortgage or other loan secured on property. Terms and conditions apply.