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

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3.76% 3 year discounted rate for Expats

Code XD0066
3 years 5.14% 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 - 1.38% 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 - 5.0% APRC
  • Minimum interest - 3.66%
  • 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

3.46% 3 year discounted rate for Expats

Code XD0060
3 years 5.14% 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 - 1.68% 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 - 4.8% APRC
  • Minimum interest - 3.36%
  • 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

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3.66% 3 year discounted rate for Expats

Code XD0064
3 years 4.39% 75% £175* £999** £250 No Yes No  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Discount - 0.73% 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 75%
  • Early Repayment Charges - 3% in the first year, 2% in the second year, 1% in the third year
  • Cost for comparison - 4.4% 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

3.56% 3 year discounted rate for Expats

Code XD0056
3 years 4.39% 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 - 0.83% 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 - 4.4% APRC
  • Minimum interest - 3.46%
  • 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 Kingdom of the Netherlands1
 Belgium  Latvia
 Brazil  Liechtenstein
 Bulgaria Lithuania
 Canada Luxembourg 
 Cyprus Malta
 Czech Republic Mexico
 Denmark Norway 
 Estonia Poland
 Finland Portugal
 France Romania
 Germany Singapore
 Gibraltar  Slovakia
 Greece Slovenia
 Hong Kong South Africa
 Hungary South Korea
 India Spain
 Ireland Sweden
 Israel Switzerland
 Italy  United Kingdom2
 Japan United States

 

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

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