Forms and guidance

We require a certified copy of a full valid passport, which must be signed, have a clear photograph and be in date.

If the passport signature is on a different page to the photograph we will need a copy of both. Both pages must be certified.

To help us process your customer's mortgage application as quickly as possible, they should also complete and return a Confirmation of Customer Identity Form.

We require one document that confirms their identity and one document that confirms their address.

Guidance on verifying your customer's identity

We require a certified copy of a full valid passport, which should be signed, have a clear photograph and be in date.

If the passport signature is on a different page to the photograph we will need a copy of both. Both pages must be certified.

We recognise given the international nature of our customers that various types of documents can be supplied. We have chosen the documents that in our experience are the most readily available and verified.

The key differences that you need to know are:

• The Certifier must have met your customer in person with their original documents 
• We can accept employers letters when the customer lives in a country without a defined postal system i.e. the UAE
• We need a Tax Identification Number. For customers that don’t pay tax we require their residency number or equivalent – please contact us for more details
• We will contact the certifier of any documents that are certified and the author of an employment letter if used so please ensure they are readily contactable

The following documents are NOT acceptable:

• Mobile and Broadband bills
• Tenancy Agreements

We can accept any of the following original or certified documents which must include your customer's full name or initials and surname and also be less than six months old.

• Utility bill (electricity, water, gas, landline telephone)
• Bank, Building Society, Credit Card or Mortgage statement or bank correspondence. A bank correspondence must be personal/direct to the customer. We would not accept a generic mail shot.
• Confirmation of address must relate to the customers residential address. If the confirmation shows a PO Box address, please ensure it also evidences the residential service address being provided.

We need to verify all parties to the application and all documents must be certified in accordance with the guidance notes per our Confirmation of Customer Identity Form.

Our Mortgage Broker service is subject to customer application, status and acceptance by NatWest International. 

To apply your customer must be:

• aged 18+
• resident in one of our listed countries

The property or home must meet our minimum property value and loan values:

New customers

• The minimum loan value that we offer is £100,000 subject to a minimum property value of £150,000 at purchase

Existing customer

• The minimum loan value that we offer is £50,000 subject to a minimum property value of £150,000 at purchase

Buy to Let

• Please note that our loan size ranges from £100,000 to £3.5 million
• The maximum number of buy to let properties we can lend on is up to 10, including the property the customer currently wishes to buy

Customers must be resident in one of the following countries:

• Bahrain
• Bermuda
• Canada
• China (Expats living in China only)
• Denmark
• France
• Germany
• Hong Kong
• India (Expats living in India only)
• Kuwait
• New Zealand
• Norway
• Oman
• Qatar
• Singapore *
• Sweden
• Switzerland
• United Arab Emirates
• United Kingdom
• United States of America

* Mortgages information for Residents of Singapore (PDF, 40 KB)

This country list is subject to change. Some of our mortgage products are available on a limited basis only, due to local regulatory and legal requirements.

Lending criteria

Repayment Options

Maximum Loan to Value ratios

Capital & interest only mortgage: new build/flats

For more details please contact us.

Lending criteria

Repayment option

Maximum Loan to Value ratios

New Build Flats

• Subject to a maximum LTV of 75%

For more details please contact us.