5.34% Expat 5 Year Fixed Rate to 31/01/2030 (XF0895) - XF0895 (EB)

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Fee		 Repayment Interest
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5.34% 31/01/2030 8.94% 60% £125* £0~ No Yes No
  • Purpose - Expat applications for Product Switch and Further Advance
  • Loan to Value - 60%
  • Fixed Rate end date - 31/01/2030
  • *Application Fee - £125 for Further Advance. £0 for Product Switches
  • Legal Fees - £100 minimum for Further Advance applications
  • Valuation Fees - £0
  • ~Product Fee - £0 for Further Advance and Product Switch
  • Early Repayment Charges - 5% until 31/01/2026, 4% until 31/01/2027, 3% until 31/01/2028, 2% until 31/01/2029, 1% until 31/01/2030
  • Maximum Loan - No maximum
  • Minimum Loan - £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 7.7% APRC.
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Minimum Documents You'll Need From Your Client

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 giftor 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. For the assets and liabilities form and the business plan checklist, please click here.

Fees for this product

Further Advance fees

  • *Application Fee - £125
  • Valuation Fee - £0
  • ~Product Fee - £0
  • Legal Fees - £100 + disbursements.

Product Switch Fees

No fees apply to switch to a new product with us on the same terms.

Procuration Fees (gross fee paid)

  • For all types of procuration fees paid and for further fee information, click here.

Criteria checker

Can we help your client? Use our tool to find out.
Simply type your criteria to see our levels of acceptance and flexibility.

Affordability Calculator

Find out how much your residential client may be able to borrow. To see affordability for a Buy to Let client, use our Buy to Let calculator