Residential policy
Applicants must be resident in the UK and have a 3 year consecutive UK address history.
UK and Irish nationals resident in the UK but are temporarily working abroad are acceptable subject to:
- Income being in GBP and paid into a UK bank account
- The customer and/or their immediate family occupying the property
- The mortgage being affordable after UK and overseas living costs have been considered
- Not living or working in a country subject to financial sanctions, unless they are a member of British Armed Forces posted in one of these countries
UK residency is determined by the UK’s Statutory Residence Test. This does not always require a minimum number of days an individual must be physically present in the UK but confirms if you’ve been in the UK for 183 or more days in a given tax year, you’ll be a UK resident.
For non-UK/Irish nationals resident in the UK, please see our foreign nationals policy.