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

Buy to Let mortgage products available for Expats

Sort products by:
Initial
Rate
Initial
Rate Ends
Follow On
Rate
Max.
LTV
Application
Fee
Product
Fee
Repayment Interest
Only
Limited
Company

3.76% 3 year discounted rate for Expats

Code XD0045
3 years 5.79% 65% £175* £999** No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Discount - 2.03% applied to our Residential Investment Managed Mortgage Rate for the first 3 years
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • LTV - Maximum LTV 65%
  • Early Repayment Charges - 3% in the first year, 2% in the second year, 1% in the third year
  • Cost for comparison - 5.6% APRC
  • Minimum interest - 3.56%
  • Purpose - Expat purchase, expat remortgage, expat product switch and expat additional borrowing
  • *Application Fee - £175 + Valuation Fee
  • Valuation Fees - Based on the greater of the purchase price or value of the property. For more information see our valuation fee scale
  • **Product Fee - £999 for loans up to £500,000. 0.4% of the loan amount for loans above £500,000

3.61% 3 year discounted rate for Expats

Code XD0044
3 years 5.79% 60% £175* £999** No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Discount - 2.18% applied to our Residential Investment Managed Mortgage Rate for the first 3 years
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • LTV - Maximum LTV 60%
  • Early Repayment Charges - 3% in the first year, 2% in the second year, 1% in the third year
  • Cost for comparison - 5.5% APRC
  • Minimum interest - 3.41%
  • Purpose - Expat purchase, expat remortgage, expat product switch and expat additional borrowing
  • *Application Fee - £175 + Valuation Fee
  • Valuation Fees - Based on the greater of the purchase price or value of the property. For more information see our valuation fee scale
  • **Product Fee - £999 for loans up to £500,000. 0.4% of the loan amount for loans above £500,000

 

Owner Occupier Mortgage products available for Expats

Sort products by:
Initial
Rate
Initial
Rate Ends
Follow On
Rate
Max.
LTV
Application
Fee
Product
Fee
Cashback on
Completion
Repayment Interest
Only
FTB

3.86% 3 year discounted rate for Expats

Code XD0043
3 years 5.04% 80% £175* £999** £250 No Yes Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Discount - 1.18% discount applied to our Managed Mortgage Rate for the first 3 years
  • Minimum loan - £100,000
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • LTV - Maximum LTV 80%
  • Early Repayment Charges - 3% in the first year, 2% in the second year, 1% in the third year
  • Cost for comparison - 4.9% APRC
  • Minimum interest - 3.66%
  • Purpose - Expat purchase, expat remortgage, expat product switch and expat additional borrowing
  • *Application Fee - £175 + Valuation Fee
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount
  • **Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount

3.76% 3 year discounted rate for Expats

Code XD0042
3 years 5.04% 60% £175* £999** £250 No Yes Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Discount - 1.28% discount applied to our Managed Mortgage Rate for the first 3 years
  • Minimum loan - £100,000
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • LTV - Maximum LTV 60%
  • Early Repayment Charges - 3% in the first year, 2% in the second year, 1% in the third year
  • Cost for comparison - 4.9% APRC
  • Minimum interest - 3.56%
  • Purpose - Expat purchase, expat remortgage, expat product switch and expat additional borrowing
  • *Application Fee - £175 + Valuation Fee
  • Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount
  • **Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount

 

Our individual approach to underwriting for expats:

  • 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 with families remaining in the UK.
  • We also lend to UK nationals working in the UK but who are paid in a foreign currency.
  • 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.

We can accept applications from Expats from the following countries:

Austria

Denmark

Hungary

Kingdom of the Netherlands1

Norway

Slovenia

United States

Belguim

Estonia

Hong Kong

Latvia

Poland

South Korea

 

Bulgaria

Finland

Iceland

Lithuania

Portugal

Spain

 

Canada

France

Ireland

Luxembourg

Romania

Sweden

 

Cyprus

Germany

Italy

Malta

Singapore

Switzerland

 

Czech Republic

Greece

Japan

New Zealand

Slovak Republic

United Kingdom2

 

1 The Netherlands, the Netherlands Antilles and Aruba
2 UK Crown Dependencies


Further information

Expat Mortgages Information Summary

Owner occupier lending criteria

Buy to Let lending criteria

 

Ready to submit an application?