Knowledge Bank has reported a surge in expat-related broker referrals through its Notify feature, with advisers increasingly seeking clarity on criteria linked to overseas clients.
The data showed that expat cases now dominate Notify activity, as brokers look for guidance on issues ranging from income sources and time spent outside the UK to property location.
The Knowledge Bank platform already offers more than 30 dedicated expat criteria questions for residential lending, covering factors such as currencies earned, maximum loan-to-value (LTV) ratios, self-employment rules and eligibility for new-build properties.
However, brokers continue to use Notify to request additional detail directly from lenders, ensuring their clients receive the most accurate and up-to-date advice.
Lender engagement with the platform has also reached new heights. July saw almost 4,000 criteria updates, the highest monthly figure so far in 2025.
The activity has been supported by the appointment of Julie Bourne as criteria and partnerships manager, a role focused on working closely with lenders to ensure criteria remain current and are presented as clearly as possible for brokers.
A large share of recent updates has related to affordability.
“Income Multiple Used for Affordability Assessment” has emerged as the most frequently amended criteria over the past three months, reflecting the changes to loan-to-income (LTI) measures encouraged by the Financial Conduct Authority (FCA).
The shift has created a dynamic market, with lenders continually refining their affordability assessments to adapt to new economic conditions.
Nicola Firth, CEO of Knowledge Bank, said: “The surge in expat-related queries shows how vital it is for brokers to have access to both comprehensive criteria and direct communication with lenders.
“Our role is to make that process as clear, quick and collaborative as possible, and the record number of updates shows just how engaged lenders are in making that happen.”
