Mortgages for FCDO & Crown Servants
Navigate the complexities of overseas postings, foreign currency income, and letting your UK property while deployed abroad with brokers who specialise in government personnel.
Why It Requires Specialist Expertise
Standard high-street lenders often view overseas deployments or non-standard employment contracts as high risk. We know how to navigate these hurdles.
Consent to Let During Deployment
We work with lenders who consider Crown Servants working abroad as being in 'tied employer
accommodation'. This means they'll allow you to let the property on a standard residential
mortgage from day one, provided you intend to return.
Overseas Postings & BFPO
Rigid algorithms often flag overseas addresses as anomalous. We manually present your
profile to specialist underwriters who are fluent in FCDO employment contracts and BFPO
setups.
CoLA & Service Allowances
Many lenders ignore foreign allowances. We partner with institutions that take your Cost of
Living Allowance (CoLA) and Diplomatic Service Allowances into account to massively boost
your affordability.
Family Occupancy
If you are deployed overseas but your family remains in the UK residence, we can secure
lenders who view this extremely favourably under 'tied accommodation' rules, letting you
keep standard residential rates.
The Independent Approach
Your global mobility should not hinder your UK property ambitions. We structure applications to highlight the underlying rock-solid security of government employment, ensuring your foreign postings and complex remuneration packages are viewed as strengths rather than barriers to lending. We even run webinars with the DSFA to educate staff on these unique paths.