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NatWest has improved its foreign income mortgage policy for applicants living and working in the UK or commuting overseas.

The bank has one of the more generous policies as it accepts up to 100% of selected foreign incomes without deductions for currency fluctuations. It will take 18 different currencies including Euro and US Dollars.

As part of its recent policy change, NatWest no longer requires applicants to be employed by a multinational company on a full-time basis and does not need to know where and the company’s head office is based.

NatWest will consider self-employed applicants if their company is based in the UK or the Republic of Ireland or operating through Partnerships/Directorships. It is not a requirement for the applicant to pay their income tax in the UK.  

Aaron Strutt, product director at Trinity Financial, says: “If you are living and working in the UK but paid by a company in a foreign currency, providing your income is in one of the acceptable currencies NatWest will consider your application.  

“If you work away during the normal working week and return to the UK at weekends, or work overseas and return to the UK regularly, the bank can also help.”

NatWest will not lend to applicants if they work abroad and only return to the UK for holidays. The lender will also not accept borrowers if they are on secondments living permanently abroad for a short period. It does not like it if applicants have bought a property abroad to live in.

NatWest can accept income paid in the following currencies: Great British Pound GBP, Euro EUR, Australian Dollar AUS, Bulgarian Lev BGN, Canadian Dollar CAD, Croatian Kuna HRK, Czech Koruna CZK, Danish Krone DKK, Hungarian Forint HUF, Japanese Yen, New Zealand Dollar, Norwegian Krone NOK, Polish Zlotv PLN, Romanian Leu RON, Singapore Dollar SGD, Swedish Krona SEK, Swiss France CHF, United States Dollar USD.

Call Trinity Financial on 020 7016 0790 to secure a foreign income mortgage

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