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Expat Criteria

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Loan

Purpose

Purchase and remortgage.

Remortgage

Remortgages within 6 months of purchase can be considered. Please contact The Hub for more information.

Repayment method

Capital and interest. Interest only. Part & part.

Minimum loan

£75,000

Maximum loan

£750,000

Porting

Our loans are not portable.

Offer validity

3 months. New build offers will be valid for 6 months.

Deposit

Funds are expected to be in the UK.

Acceptable deposits

Individual savings. Limited Company/LLP reserves or working capital. Sale of property or pending sales. Sale of shares or investment. Inheritance. Equity from another property. Please contact The Hub to discuss.

Evidence must be in English.

Vendor/Builder gifted deposit

New build properties can have up to 5% builder gifted deposit. Converted properties up to 5% considered on a case by case basis.

Gifted deposit

Gifted deposits are allowed from family members i.e. parents, grandparents, spouse, gifts from wider family members will be considered on a case by case basis. Gifts from non–family members will be considered on a case by case basis. All gifted deposits must be disclosed. Subject to a TML Gifted Funds/Equity Form being provided from the deposit provider together with all required identification and evidence of funds being submitted.

Gifted deposits must be from a UK donor source and held in a UK bank account.

Family gifted equity

Up to a maximum 75% LTV and satisfaction that the transaction does not constitute Consumer BTL. Gifted deposits are allowed from family members i.e. parents, grandparents, spouse, gifts from wider family members. Gifts from non - family members will be considered on a case by case basis. All gifted deposits must be disclosed. Subject to TML Gifted Funds/Equity Form from deposit provider and identification.

Gifted deposits must be from a UK donor source.