6.09% Expat 2 Year Fixed Rate to 31/10/2026 (XF0818) - XF0818

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6.09% 31/10/2026 9.19% 60% £175* 1.00%~ £0 No Yes No
  • Purpose - Expat purchase, remortgage, product switch and further advance 
  • LTV - Maximum 60%
  • Fixed Rate end date - 31/10/2026
  • *Application Fee - £175 + Valuation Fee for purchase and remortgage. (£125 for further advance, £0 for product switch)
  • Legal fees - £100 minimum for further advances
  • Valuation Fees (Purchase) - Full standard valuation fee scale applies. 
  • Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount
  • Valuation Fees (Further advance and Product Switch) - £0
  • Valuation Fees (Multi Unit Freehold Blocks) - A separate valuation fee scale will apply for this property type. For purchase and remortgage applications, the full Multi-Unit Freehold Block valuation fee scale will apply. (£0 for further advance and product switch)
  • ^Product Fee - 1.00% of the loan amount, subject to a minimum of £1,000. (£0 for further advance, £0 for product switch)
  • Early Repayment Charges - 2% until 31/10/2025, 1% until 31/10/2026
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application.
  • Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches.
  • Cost for comparison - 9.0% 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

Fees for this product

Purchase and remortgage fees

  • *Application Fee - £175 + Valuation Fee
  • Valuation Fees (Purchase) - Based on the greater of the purchase price or value of the property.
  • Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount
  • Valuation Fees (Multi Unit Freehold Blocks) - A separate valuation fee scale will apply for this property type. For purchase and remortgage applications, the full Multi-Unit Freehold Block valuation fee scale will apply
  • ~Product Fee- 1.00% of the loan amount, subject to a minimum of £1,000.

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

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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