Out of sight but not out of mind.

Expat mortgages are available on an Interest-Only basis for both Owner Occupier and Buy to Let, subject to certain conditions.

We're able to lend to UK nationals working abroad, along with UK nationals and foreign nationals working in the UK but paid in a foreign currency.

Mortgages accepted from expats in over 40 countries
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Initial
Rate		 Initial
Rate Ends		 Follow On
Rate		 Max.
LTV		 Application
Fee		 Product
Fee		 Cashback on
Completion		 Repayment Interest
Only		 FTB

3.81% 3 year discounted rate at 0.58% for Expats

 Code XD0081
3 years 4.39% 75% £175* £999~ £500^ 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 - 0.58% discount applied to our Managed Mortgage Rate for the first 3 years
  • Minimum interest - 3.71%
  • LTV - Maximum 75%
  • *Application Fee - £175 + Valuation Fee. See more details, fees & downloads for product switch and further advance fees.
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. See more details, fees & downloads for product switch and further advance fees.
  • ~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount. See more details, fees & downloads for product switch and further advance fees.
  • ^Cashback - £500 for remortgage applications
  • 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. £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 4.4% APRC
  • Additional criteria - We require a UK address for the serving of notice.

3.56% 3 year discounted rate at 0.83% for expats

 Code XD0080
3 years 4.39% 60% £175* £999~ £500^ 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 - 0.83% discount applied to our Managed Mortgage Rate for the first 3 years
  • Minimum interest - 3.46%
  • LTV - Maximum 60%
  • *Application Fee - £175 + Valuation Fee. See more details, fees & downloads for product switch and further advance fees.
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. See more details, fees & downloads for product switch and further advance fees.
  • ~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount. See more details, fees & downloads for product switch and further advance fees.
  • ^Cashback - £500 for remortgage applications
  • 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. £2,000 for further advance. No minimum for product switches.
  • Cost for comparison - 4.3% APRC
  • Additional criteria - We require a UK address for the serving of notice

We also have a range of Expat mortgages available for Buy to Let. 

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

 

We can accept applications from Expats working in the following countries:

 Austria Lithuania
 Belgium  Luxembourg
 Bulgaria Malta
 Canada Malaysia
 Cyprus Netherlands1
 Czech Republic New Zealand 
 Denmark Norway
 Estonia Poland
 Finland Portugal
 France Qatar
 Germany Romania
 Greece Singapore
 Hong Kong Slovak Republic
 Hungary Slovenia
 Ireland South Korea
 Israel Spain
 Italy Sweden
 Japan Switzerland
 Kuwait  United Arab Emirates
 Latvia United Kingdom2
 Liechtenstein United States of America

 

1 The Netherlands, Aruba, Curacao and St Maarten
2 UK Crown Dependencies and Gibraltar


Further information

Please contact our Mortgage Desk for more information

Expat Mortgages Information Summary

Owner occupier lending criteria

Ready to submit an application?