Expats & overseas workers:
Checklist
Use this checklist before beginning your property search or submitting a mortgage application.
Completing these steps early can help avoid unnecessary delays and reduce requests for additional information during underwriting.
1. UK Banking & Credit
☐ I have kept at least one active UK bank account.
☐ I have not accidentally missed payments on any UK credit cards, loans or overdrafts.
☐ My UK credit file remains active and up to date.
☐ I regularly check my UK credit report for errors or missed payments.
☐ I have a reliable UK correspondence ("service") address where appropriate.
☐ My UK banks and financial institutions have my correct contact details.
2. Overseas Residence
☐ I can provide clear proof of my overseas residential address.
☐ I have recent utility bills, tenancy agreements, local bank statements or an employment contract showing my overseas address.
☐ My address is consistent across my documentation.
3. Employment
☐ My employment contract clearly explains my role.
☐ My contract demonstrates continuity or explains how it is routinely renewed.
☐ I can obtain an employer letter if further explanation would help.
☐ I can evidence any bonuses, commission or allowances I wish the lender to consider.
4. Income & Banking
☐ I have at least three months' statements for every account through which my salary passes.
☐ My financial trail is straightforward and easy to follow.
☐ I can explain any large or unusual transactions.
5. Deposit
☐ I can evidence exactly where my deposit has come from.
☐ I have retained statements showing the full audit trail of my savings.
☐ The relevant family members are willing to fully document any gifted deposit.
☐ If funds have come from overseas, I can evidence their original source.
6. Existing UK Property
☐ If I let my previous UK home, I have obtained Consent to Let (or changed to a Buy-to-let mortgage product).
☐ I have evidence of any rental income if applicable.
7. Buying Plans
I am clear whether this property will be:
□ My main residence
□ A future residence after returning to the UK
□ A buy-to-let investment
□ Occupied by a family member
8. Documentation
☐ My passport is valid.
☐ My visa or residency documentation is current (if applicable).
☐ My name, address and dates are consistent across all documents.
☐ I have retained copies of historic contracts, payslips and tax documents.
☐ Any foreign-language documents can be translated if required.
Frequently asked questions.
Every client and every mortgage is different, but there are some questions we are asked regularly.
From affordability and deposits to complex income, expat mortgages and specialist property finance, our FAQs explain how different lenders may approach different circumstances.
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