Expat Owner Occupier mortgages

We offer mortgages to UK nationals working abroad, along with UK nationals and foreign nationals working in the UK but paid in a foreign currency, on Interest-Only owner occupier mortgages. This is subject to certain conditions. Please refer to our lending criteria for more information.

Product details should be read in conjunction with our 'Getting a Mortgage: what you need to know' guide and our lending criteria. If you would like to find out how much you may be able to borrow, try our mortgage affordability calculator.

Please call us on 03330 140140 to arrange an appointment if you are in a position to apply or require advice, alternatively our customer representative may be able to answer any queries you might have. Alternatively if you would like us to contact you at a time of your choice please complete the call back request form.

PURCHASE OR REMORTGAGE

Product name	Initial interest rate	Followed by our MMR^ currently	The overall cost for comparison is	Minimum interest rate payable	Early repayment charges	Fees	Maximum LTV^#	Further details
Discounted initial variable rate - INTEREST-ONLY
3 year 0.83% discount	3.56%	4.39%	4.4% APRC	3.46%	Yes	Yes	60%	Click here
3 year 0.58% discount	3.81%	4.39%	4.4% APRC	3.71%	Yes	Yes	75%	Click here

For remortgages, we offer assistance with Legal Fees.
For remortgages, a cashback of £250 is payable on completion of the mortgage.

Representative example:
A mortgage of £125,000.00 payable over 10 years on a discounted variable rate for 3 years at 0.58% below our variable Managed Mortgage Rate and then on our variable Managed Mortgage Rate, currently 4.39%, would require 35 monthly payments of £396.88 and 85 monthly payments of £457.08, plus one initial interest payment of £404.64.
The total amount payable would be £179,421.24 made up of the loan amount plus interest of £53,147.24, an Application Fee of £175, a Product Fee of £999 and a Mortgage Exit Fee of £100.

The overall cost for comparison is 4.4% APRC representative.

MORTGAGE PRODUCT COMING TO AN END?

Product name	Initial interest rate	Followed by our MMR^ currently	The overall cost for comparison is	Minimum interest rate payable	Early repayment charges	Cost to transfer this product	Maximum LTV^#	Futher details
Discounted initial variable rate - INTEREST-ONLY
3 year 0.83% discount	3.56%	4.39%	4.2% APRC	3.46%	Yes	Nil	60% and below	Click here
3 year 0.58% discount	3.81%	4.39%	4.3% APRC	3.71%	Yes	Nil	Above 60%	Click here

Representative example:
A mortgage of £94,566.00 payable over 7 years on a discounted variable rate for 3 years at 0.58% below our variable Managed Mortgage Rate and then on our variable Managed Mortgage Rate, currently 4.39%, would require 35 monthly payments of £300.25 and 49 monthly payments of £345.79, plus one initial interest payment of £306.12.
The total amount payable would be £122,424.58 made up of the loan amount plus interest of £27,758.58 and a Mortgage Exit Fee of £100.

The overall cost for comparison is 4.3% APRC representative.

ADDITIONAL BORROWING

Product name	Initial interest rate	Followed by our MMR^ currently	The overall cost for comparison is	Minimum interest rate payable	Early repayment charges	Fees	Maximum LTV^#	Further details
Discounted initial variable rate - INTEREST-ONLY
3 year 0.83% discount	3.56%	4.39%	4.1% APRC	3.46%	Yes	Yes	60%	Click here
3 year 0.58% discount	3.81%	4.39%	4.4% APRC	3.71%	Yes	Yes	75%	Click here

Representative example:
A further advance of £50,000.00 payable over 10 years on a discounted variable rate for 3 years at 0.58% below our variable Managed Mortgage Rate and then on our variable Managed Mortgage Rate, currently 4.39%, would require 35 monthly payments of £158.75 and 85 monthly payments of £182.83, plus one initial interest payment of £161.85.
The total amount payable would be £71,483.65 made up of the loan amount plus interest of £21,258.65, an Application Fee of £125 which includes the Valuation Fee, and Legal Fees of £100.

The overall cost for comparison is 4.4% APRC representative.

What is a representative example?

This is an illustration of a typical mortgage and its total cost.

FOOTNOTES

^ MMR stands for our variable Managed Mortgage Rate.
^# LTV stands for Loan to Value.

Do you need our help?

For acceptable products and countries of residence please contact our dedicated New Business Team on 03330 140140 or email our New Business Team.

Alternatively if you would like us to contact you at a time of your choice please complete the call back request form.

We also offer expat mortgages on a Buy to Let basis, subject to certain conditions.

Visit our Expats Buy to Let mortgages page

THE MORTGAGE WILL BE SECURED ON YOUR HOME
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

All of these mortgage products have limited funds and may be withdrawn at any time. Our mortgages shown on this page are available to applicants aged 18 and over who are expatriates, for properties in England or Wales.