Expat buy to let mortgages

Our Buy to Let Expat mortgages are for properties located in England or Wales. We're able to lend to UK Nationals aged over 18 who are working abroad, and whose families are remaining in the UK subject to certain conditions.

One property or a portfolio, we've got your landlords covered

Expat Buy to Let Products

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3.99% 3 year discounted rate by 1.15% for Expats

Code XD0084
3 years 5.14% 60% £175* £999~ No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application

· Purpose - Expat purchase and remortgage
· Discount
- 1.15% applied to our Residential Investment Managed Mortgage Rate for 3 years
· Minimum rate - 3.89% 
· LTV
- Maximum 60%
· Application Fee
- £175 + Valuation Fee for purchase and remortgage. 
· Valuation Fees
- Based on the greater of the purchase price or value of the property. 
· ~Product Fee
- £999 for loans up to £500,000. For loans above £500,000 0.4% of the loan amount. 
· Early Repayment Charges - 3% in the first year, 2% in the second year, 1% in the third year. 
· Maximum loan
- No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
· Minimum loan
- £100,000 for purchase and remortgage.
· Cost for comparison
- 5.1% APRC

4.29% 3 year discounted rate by 0.85% for Expats

Code XD0085
3 years 5.14% 65% £175* £999~ No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application

· Purpose - Expat purchase and remortgage
· Discount - 0.85% applied to our Residential Investment Managed Mortgage Rate for 3 years
· Minimum rate - 4.19% 
· LTV - Maximum 65%
· *Application Fee - £175 + Valuation Fee for purchase and remortgage.
· Valuation Fees - Based on the greater of the purchase price or value of the property.
· ~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.4% of the loan amount
· Early Repayment Charges - 3% in the first year, 2% in the second year, 1% in the third year
· Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
· Minimum loan - £100,000 for purchase and remortgage
· Cost for comparison - 5.2% APRC

All of these mortgage products have limited funds available and may be withdrawn at any time. Our mortgages are available on an Interest Only basis applicants aged 18 and over for properties in England or Wales.

We also have a range of Expat mortgages available for Owner Occupier

Our individual approach to underwriting for expats:

  • Expat mortgages are available on an Interest-Only basis for properties located in England or Wales
  • Available for Owner Occupier and Buy to Let, subject to certain conditions (available on request)
  • We're able to lend to UK nationals working abroad with families remaining in the UK
  • Your client must be able to provide satisfactory evidence of identity, proof of income and hold a UK bank account
  • Minimum loan amount: £100,000
  • Full conditions are available on request

To view the full list of the countries we can accept, please click here.

We also have a range of Expat mortgages available for Owner Occupier


Further information

Please contact our Mortgage Desk for more information
Criteria search
Owner Occupier lending criteria
Buy to Let lending criteria
Expat Mortgage Summary Sheet


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Find Your Local

Business Development Manager

Your Local BDM:

Arif Kara

Arif was previously a mortgage adviser, and focuses on North and West London. Contact Arif for help with your clients' mortgages.
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Michelle Parry-Bunter

Michelle has worked for the Society for over a decade and focuses on the South Coast. Contact Michelle for help with your clients' mortgages.
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Nathan Waller

Nathan, previously a mortgage broker, focuses on Cambridgeshire, East Sussex, Essex, Suffolk, Hertfordshire, Bedfordshire, Lincolnshire, Norfolk and Kent. Contact Nathan for help with your clients' mortgages.
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Grace Bennett

Grace focuses around the West M25 area. Contact Grace for help with your clients' mortgages.
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Your Local BDM:

Darren Deacon

Darren has over 28 years' Financial Services experience and focuses on both the East & West Midlands as well as the Southwest. Contact Darren for help with your clients' mortgages.
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Your Local BDM:

Paul Roberts

Paul has over 30 years' experience and focuses on the North (inc. M62 corridor), Yorkshire & North East. Contact Paul for help with your clients' mortgages.
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