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.

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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 | |
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3.81% 3 year discounted rate at 0.58% for Expats |
Code XD0081 | |||||||||
More info | 3 years | 4.39% | 75% | £175* | £999~ | £500^ | No | Yes | No | |
More info
More details, fees & downloads
Criteria A-Z
Check affordability
DIP Request
Illustration Request
Contact your BDM
Online Application
|
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3.56% 3 year discounted rate at 0.83% for expats |
Code XD0080 | |||||||||
More info | 3 years | 4.39% | 60% | £175* | £999~ | £500^ | No | Yes | No | |
More info
More details, fees & downloads
Criteria A-Z
Check affordability
DIP Request
Illustration Request
Contact your BDM
Online Application
|
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?