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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Rate		 Initial
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Only		 FTB

7.74% Expat 0.70% Discounted Rate from follow on rate for 2 years (XD0201)

 Code XD0201
2 years 8.44% 80% £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 - 0.70% discount applied to our Managed Mortgage Rate for the first 2 years
  • Minimum interest - 5.09%
  • LTV - Maximum 80%
  • *Application Fee - £175 + Valuation Fee for purchase and remortgage. £125 for further advance. £0 for product switch
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. (£0 for further advance, £0 for product switch)
  • ~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount. (£0 for further advance, £0 for product switch)
  • ^Cashback - £500 for remortgage applications
  • Early Repayment Charges - 2% in the first year, 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 - 8.8% APRC
  • Additional criteria - We require a UK address for the serving of notice.

7.24% Expat 1.20% Discounted Rate from follow on rate for 2 years (XD0200)

 Code XD0200
2 years 8.44% 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 - 1.20% discount applied to our Managed Mortgage Rate for the first 2 years
  • Minimum interest - 4.59%
  • LTV - Maximum 60%
  • *Application Fee - £175 + Valuation Fee for purchase and remortgage. (£125 for further advance, £0 for product switch)
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount. (£0 for further advance, £0 for product switch)
  • ~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount. (£0 for further advance, £0 for product switch)
  • ^Cashback - £500 for remortgage applications
  • Early Repayment Charges - 2% in the first year, 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 - 8.6% APRC
  • Additional criteria - We require a UK address for the serving of notice

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 Buy to Let. 

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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