3.99% 3 year discounted rate by 1.15% for Expats - XD0084

UK Expat applicants

• Certified copy of UK passport
• Certified proof of address (Utility bill, bank statement, credit card statement, driving licence)
• Copy of any ID card for the applicant's country of residence if one is issued, and a resident's permit / Visa
• We will also contact the applicant's employer or accountant to confirm the residential address held for them. We will require the employer / accountant email address so we can request this
• If you have provided face-to-face advice (or, for example, via video), documentation can be Intermediary Certified. Otherwise, certification will need to be done by the applicant's overseas bankers or a lawyer in their country of residence

Other Expat applicants

• Applicants are required to provide a UK contact where the Society is able to serve notice regarding the mortgage. This can be a UK Solicitor or close family member in the UK

All applicants

• ID documents if the electronic check we carry out on the applicant fails
• Applicants are required to have an existing UK mortgage. We carry out an electronic credit check on all applicants which may show the performance of these. If this fails to show their existing mortgage(s), 12 months proof of conduct is required. To speed up our underwriting, you can provide these on submission

Remortgage applicants

• A copy of the existing / proposed tenancy agreement
• Evidence of rent being paid in and mortgage being paid out (bank statements may already cover this)

Purchase applicants

• Evidence of deposit in a UK account held by the applicant(s)
• For gifted deposits, we require a signed gifted letter from the gift or plus evidence of funds in a UK account

Applicants with four or more mortgaged Buy to Let properties

• We will treat these applications as a portfolio landlord and we require details of their full portfolio and a business plan. Download the assets and liabilities form and the business plan checklist.

Purchase and remortgage fees
· *Application Fee - £175 + Valuation Fee. 
· Valuation Fees - Based on the greater of the purchase price or value of the property.
· Valuation Fees (Multi Unit Freehold Blocks) – The full Multi Unit Freehold Block valuation fee scale will apply for this property type.
· ^~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.4% of loan amount.

Procuration fees for purchase and remortgage applications (gross fee paid)
· Directly authorised brokers submitting business to us directly - 0.50%, min £225.00
· Submitting a case via Mortgage Clubs - 0.52%, min £234.00 (Mortgage Clubs will deduct 0.02%)

For further fee information click here.