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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Initial
Rate		 Initial
Rate Ends		 Follow On
Rate		 Max.
LTV		 Application
Fee		 Product
Fee		 Repayment Interest
Only		 Limited
Company

7.39% Expat 1.80% Discounted Rate from follow on rate for 2 years (XD0206)

 Code XD0206
2 years 9.19% 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, remortgage, product switch and further advance
· Discount - 1.80% applied to our Residential Investment Managed Mortgage Rate for 2 years
· Minimum rate - 4.74% 
· LTV - Maximum 60%
· *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.
· ~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 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

7.54% Expat 1.65% Discounted Rate from follow on rate for 2 years (XD0207)

 Code XD0207
2 years 9.19% 70% £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, 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

6.59% Expat 5 Year Fixed Rate to 28/02/2029 (XF0697)

 Code XF0697
28/02/2029 9.19% 70% £175* 1.00%~ 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
  • LTV - Maximum 70%
  • Fixed Rate end date - 28/02/2029
  • *Application Fee - £175 + Valuation Fee for purchase and remortgage
  • Valuation Fees (Purchase) - Full standard valuation fee scale applies
  • Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330.00 discount
  • 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
  • ~Product Fee - 1.00% subject to a min of £1,000
  • Early Repayment Charges - 5% until 28/02/2025, 4% until 28/02/2026, 3% until 28/02/2027, 2% until 29/02/2028, 1% until 28/02/2029
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • Minimum loan - £45,000 for purchase and remortgage
  • Cost for comparison - 8.6% 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 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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Find Your Local

Business Development Manager

Your Local BDM:

Neil Cadwallader

Neil has over 19 years experience in Financial Services from pensions and investments to mortgages. Neil focuses around South Wales and the West of England area. Contact Neil for help with your clients' mortgages.
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Your Local BDM:

Stuart Heavens

Stuart focuses on the South Coast area. Contact Stuart for help with your clients' mortgages.
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Your Local BDM:

Amar Mashru

Amar focuses on the Central London area. Contact Amar for help with your clients' mortgages.
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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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Your Local BDM:

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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Your Local BDM:

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 and 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 and the North East. Contact Paul for help with your clients' mortgages.
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