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.

Expat Buy to Let Products
Initial Rate |
Initial Rate Ends |
Follow On Rate |
Max. LTV |
Application Fee |
Product Fee |
Repayment | Interest Only |
Limited Company |
|
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7.39% Expat 1.80% Discounted Rate from follow on rate for 2 years (XD0206) |
Code XD0206 | ||||||||
More info | 2 years | 9.19% | 60% | £175* | £999~ | No | Yes | No | |
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· Purpose - Expat purchase, remortgage, product switch and further advance |
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7.54% Expat 1.65% Discounted Rate from follow on rate for 2 years (XD0207) |
Code XD0207 | ||||||||
More info | 2 years | 9.19% | 70% | £175* | £999~ | No | Yes | No | |
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· Purpose - Expat purchase, remortgage, product switch and further advance
· Discount - 1.65% applied to our Residential Investment Managed Mortgage Rate for 2 years · Minimum rate - 4.89% · LTV - Maximum 70% · *Application Fee - £175 + Valuation Fee for purchase and remortgage. (£125 for further advance, £0 for product switch) · Valuation Fees (Purchase and Remortgage) - Full standard valuation fee scale applies. · Valuation Fees (Further advance and Product Switch) - £0 · Valuation Fees (Multi Unit Freehold Blocks) - A separate valuation fee scale will apply for this property type. For purchase and remortgage applications, the full Multi-Unit Freehold Block valuation fee scale will apply. (£0 for further advance and product switch) · ~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.4% of the loan amount. (£0 for further advance and product switch) · Early Repayment Charges - 2% in the first year and 1% in the second 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. £2,000 for further advance. No minimum for product switches · Cost for comparison - 9.4% APRC |
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6.59% Expat 5 Year Fixed Rate to 28/02/2029 (XF0697) |
Code XF0697 | ||||||||
More info | 28/02/2029 | 9.19% | 70% | £175* | 1.00%~ | No | Yes | No | |
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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 for 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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Your Local BDM:
Neil Cadwallader
Your Local BDM:
Stuart Heavens
Your Local BDM:
Amar Mashru
Your Local BDM:
Arif Kara
Your Local BDM:
Nathan Waller
Your Local BDM:
Grace Bennett
Your Local BDM:
Darren Deacon
Your Local BDM:
Paul Roberts
We do not currently have a BDM covering your area. Please contact our Mortgage Helpdesk:
- 01372 744155
- 01372 745607
- mortgage.desk@familybsoc.co.uk
Opening hours: Monday - Friday: 9am - 5.30pm. Saturday: Closed
We may record any telephone calls we have with you in the interest of staff training, monitoring customer service or for security purposes.