5.64% Expat 2 Year Fixed Rate to 31/01/2027 (XF0893) - XF0893

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.

Purchase and Remortgage fees

• Application Fee - £175 + Valuation Fee
• 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 (Multi Unit Freehold Blocks) - A separate valuation fee scale will apply for this property type. For purchase applications, the full Multi-Unit Freehold Block valuation fee scale will apply. For remortgage applications, a discount of £330 from the Multi-Unit Freehold Block valuation fee scale applies
• ^~Product Fee - 1% of the loan amount, subject to a minimum of £1,000.

Procuration Fees (gross fee paid)

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