Research from Suffolk Building Society found that 62% of brokers see proof of income and affordability as the principal challenge in expat mortgage cases. Overseas payslips, tax returns, currency differences and varied employment structures can make lender matching and evidence collection more time-consuming.
AI tools may help advisers organise and summarise client documents, flag missing evidence and create case checklists. However, they should not be relied upon to determine affordability or interpret foreign documentation without robust controls. Human validation, lender criteria expertise and clear records remain central to achieving suitable outcomes for complex borrowers.