This change gives you more control and access to a lender known for flexible underwriting, niche product support, and a pragmatic approach to complex clients—particularly across Residential, Buy-to-Let, and Foreign National/Expat lending.
Foreign National & Returning Expat Mortgages
Nottingham offers practical and inclusive criteria for clients with international circumstances:
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No minimum income or visa time required
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Up to 90% LTV, including 5% builder’s deposits, gifted deposits, and funds from abroad
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Up to 5.5x LTI for clients earning £60k+
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Zero-hour contracts and family agency workers considered
A great option for clients with historic credit issues or niche income types:
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Residential Mortgages Adverse credit considered – including CCJs, defaults, DMPs, IVA and bankruptcy
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Interest-only accepted up to:
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80% LTV (downsizing)
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60% LTV (repayment vehicle)
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Maximum age at term end: 75
Buy-to-Let (BTL)
Support for both new and experienced landlords:
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No minimum income
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Up to 80% LTV
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First-time landlords, Day 1 SPVs, and intercompany loans accepted
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Max 15 properties in portfolio, with up to 5 BTLs held with Nottingham
Why Use Nottingham?
With flexible criteria and manual underwriting, Nottingham Building Society is ideal for:
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Clients with non-standard income
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Those with a limited UK footprint
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Landlords at early or mid stages of portfolio growth
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Applicants needing deposit flexibility
Beckie Norton
National Account Manager
beckie.morton@thenottingham.com
Mobile: 07955 321 795